Call reports 2004
FIRST NATIONAL BANK OF BEMIDJI, THE — 2004
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 352,768,000 | 356,280,000 | 363,025,000 | 361,066,000 |
| Total loans | 181,882,000 | 192,338,000 | 197,064,000 | 199,023,000 |
| Allowance for loan losses | 1,756,000 | 1,783,000 | 1,862,000 | 1,705,000 |
| Securities available for sale | 73,875,000 | 97,152,000 | 98,443,000 | 98,020,000 |
| Securities held to maturity | 73,431,000 | 49,327,000 | 45,891,000 | 46,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,052,000 | 294,758,000 | 297,204,000 | 293,464,000 |
| Interest-bearing deposits | 246,050,000 | 249,950,000 | 252,980,000 | 248,147,000 |
| Noninterest-bearing deposits | 44,002,000 | 44,808,000 | 44,224,000 | 45,317,000 |
| Equity capital | 47,202,000 | 45,934,000 | 49,110,000 | 49,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,243,000 | 8,787,000 | 13,467,000 | 18,241,000 |
| Interest expense | 1,519,000 | 3,022,000 | 4,540,000 | 6,098,000 |
| Net interest income | 2,724,000 | 5,765,000 | 8,927,000 | 12,143,000 |
| Noninterest income | 461,000 | 978,000 | 1,522,000 | 2,032,000 |
| Noninterest expense | 1,730,000 | 3,465,000 | 5,197,000 | 7,202,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 270,000 |
| Pretax income | 1,376,000 | 3,123,000 | 5,022,000 | 6,699,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,371,000 | 3,118,000 | 5,017,000 | 6,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,933,000 | 44,855,000 | 45,929,000 | 47,006,000 |
| Total capital | 45,689,000 | 46,638,000 | 47,791,000 | 48,711,000 |
| Risk-weighted assets | 201,674,000 | 211,460,000 | 215,217,000 | 216,744,000 |
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