Call reports 2007
FIRST NATIONAL BANK OF BEMIDJI, THE — 2007
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 413,600,000 | 414,812,000 | 425,410,000 | 439,047,000 |
| Total loans | 234,472,000 | 247,518,000 | 252,328,000 | 258,077,000 |
| Allowance for loan losses | 2,051,000 | 2,046,000 | 2,065,000 | 2,191,000 |
| Securities available for sale | 142,153,000 | 144,153,000 | 143,670,000 | 150,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,261,000 | 336,406,000 | 340,871,000 | 346,760,000 |
| Interest-bearing deposits | 290,259,000 | 290,215,000 | 293,785,000 | 299,199,000 |
| Noninterest-bearing deposits | 48,002,000 | 46,191,000 | 47,086,000 | 47,561,000 |
| Equity capital | 53,189,000 | 53,377,000 | 54,431,000 | 55,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,322,000 | 12,884,000 | 19,613,000 | 26,427,000 |
| Interest expense | 3,001,000 | 6,165,000 | 9,447,000 | 12,803,000 |
| Net interest income | 3,321,000 | 6,719,000 | 10,166,000 | 13,624,000 |
| Noninterest income | 513,000 | 1,071,000 | 1,769,000 | 2,299,000 |
| Noninterest expense | 2,014,000 | 4,072,000 | 6,120,000 | 8,337,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 460,000 |
| Pretax income | 1,730,000 | 3,538,000 | 5,545,000 | 7,126,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,725,000 | 3,533,000 | 5,540,000 | 7,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,392,000 | 54,160,000 | 55,134,000 | 55,959,000 |
| Total capital | 55,443,000 | 56,206,000 | 57,199,000 | 58,151,000 |
| Risk-weighted assets | 248,014,000 | 260,313,000 | 265,632,000 | 273,900,000 |
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