Call reports 2005
FIRST NATIONAL BANK OF BEMIDJI, THE — 2005
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 364,028,000 | 371,475,000 | 383,189,000 | 387,400,000 |
| Total loans | 203,441,000 | 210,491,000 | 211,285,000 | 212,438,000 |
| Allowance for loan losses | 1,686,000 | 1,709,000 | 1,736,000 | 1,754,000 |
| Securities available for sale | 94,692,000 | 141,644,000 | 141,551,000 | 149,583,000 |
| Securities held to maturity | 44,098,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,006,000 | 301,121,000 | 312,325,000 | 317,995,000 |
| Interest-bearing deposits | 254,863,000 | 254,442,000 | 263,020,000 | 268,992,000 |
| Noninterest-bearing deposits | 45,143,000 | 46,679,000 | 49,305,000 | 49,003,000 |
| Equity capital | 48,613,000 | 50,504,000 | 50,155,000 | 50,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,714,000 | 9,738,000 | 15,107,000 | 20,704,000 |
| Interest expense | 1,583,000 | 3,339,000 | 5,263,000 | 7,395,000 |
| Net interest income | 3,131,000 | 6,399,000 | 9,844,000 | 13,309,000 |
| Noninterest income | 474,000 | 950,000 | 1,474,000 | 2,011,000 |
| Noninterest expense | 1,759,000 | 3,650,000 | 5,609,000 | 7,583,000 |
| Provision for loan losses | 45,000 | 120,000 | 210,000 | 300,000 |
| Pretax income | 1,801,000 | 3,579,000 | 5,499,000 | 7,342,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,796,000 | 3,574,000 | 5,494,000 | 7,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,572,000 | 48,495,000 | 49,560,000 | 50,353,000 |
| Total capital | 49,258,000 | 50,204,000 | 51,296,000 | 52,107,000 |
| Risk-weighted assets | 220,455,000 | 224,669,000 | 233,545,000 | 226,824,000 |
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