Call reports 2006
FIRST NATIONAL BANK OF BEMIDJI, THE — 2006
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 382,333,000 | 385,555,000 | 397,540,000 | 406,312,000 |
| Total loans | 213,448,000 | 222,065,000 | 222,187,000 | 232,412,000 |
| Allowance for loan losses | 1,795,000 | 1,876,000 | 1,893,000 | 1,967,000 |
| Securities available for sale | 150,548,000 | 144,429,000 | 145,732,000 | 145,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,230,000 | 313,262,000 | 324,294,000 | 333,259,000 |
| Interest-bearing deposits | 267,862,000 | 269,169,000 | 276,984,000 | 285,459,000 |
| Noninterest-bearing deposits | 45,368,000 | 44,093,000 | 47,310,000 | 47,800,000 |
| Equity capital | 49,682,000 | 48,924,000 | 52,231,000 | 52,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,547,000 | 11,367,000 | 17,434,000 | 23,721,000 |
| Interest expense | 2,251,000 | 4,660,000 | 7,362,000 | 10,284,000 |
| Net interest income | 3,296,000 | 6,707,000 | 10,072,000 | 13,437,000 |
| Noninterest income | 529,000 | 1,097,000 | 1,634,000 | 2,152,000 |
| Noninterest expense | 1,845,000 | 3,894,000 | 5,909,000 | 8,104,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 420,000 |
| Pretax income | 1,890,000 | 3,730,000 | 5,527,000 | 7,065,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 1,890,000 | 3,725,000 | 5,522,000 | 7,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,788,000 | 51,648,000 | 52,500,000 | 53,242,000 |
| Total capital | 52,583,000 | 53,524,000 | 54,393,000 | 55,209,000 |
| Risk-weighted assets | 227,691,000 | 234,415,000 | 235,871,000 | 245,080,000 |
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