Call reports 2003
FIRST NATIONAL BANK OF BEMIDJI, THE — 2003
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 337,771,000 | 345,494,000 | 343,483,000 | 349,085,000 |
| Total loans | 172,235,000 | 177,557,000 | 179,301,000 | 177,822,000 |
| Allowance for loan losses | 1,648,000 | 1,666,000 | 1,700,000 | 1,686,000 |
| Securities available for sale | 66,345,000 | 67,435,000 | 71,871,000 | 73,461,000 |
| Securities held to maturity | 58,450,000 | 52,532,000 | 47,711,000 | 57,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,181,000 | 285,022,000 | 282,721,000 | 288,300,000 |
| Interest-bearing deposits | 240,037,000 | 242,713,000 | 237,237,000 | 244,860,000 |
| Noninterest-bearing deposits | 41,144,000 | 42,309,000 | 45,484,000 | 43,440,000 |
| Equity capital | 44,538,000 | 46,502,000 | 45,930,000 | 46,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,478,000 | 8,988,000 | 13,468,000 | 17,735,000 |
| Interest expense | 1,708,000 | 3,416,000 | 5,052,000 | 6,645,000 |
| Net interest income | 2,770,000 | 5,572,000 | 8,416,000 | 11,090,000 |
| Noninterest income | 480,000 | 961,000 | 1,448,000 | 1,939,000 |
| Noninterest expense | 1,628,000 | 3,412,000 | 5,143,000 | 7,000,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,543,000 | 3,508,000 | 4,997,000 | 6,227,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,538,000 | 3,503,000 | 4,992,000 | 6,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,370,000 | 42,444,000 | 43,042,000 | 43,882,000 |
| Total capital | 43,018,000 | 44,110,000 | 44,742,000 | 45,568,000 |
| Risk-weighted assets | 193,073,000 | 198,643,000 | 198,341,000 | 197,770,000 |
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