Call reports 2008
FIRST NATIONAL BANK OF BEMIDJI, THE — 2008
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 442,425,000 | 449,950,000 | 450,304,000 | 449,053,000 |
| Total loans | 257,592,000 | 271,104,000 | 279,715,000 | 283,052,000 |
| Allowance for loan losses | 2,242,000 | 2,276,000 | 2,312,000 | 2,415,000 |
| Securities available for sale | 146,967,000 | 146,965,000 | 144,411,000 | 138,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,204,000 | 348,450,000 | 350,919,000 | 356,928,000 |
| Interest-bearing deposits | 306,083,000 | 302,430,000 | 303,888,000 | 313,194,000 |
| Noninterest-bearing deposits | 46,121,000 | 46,020,000 | 47,031,000 | 43,734,000 |
| Equity capital | 56,530,000 | 54,877,000 | 54,386,000 | 56,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,565,000 | 12,970,000 | 19,504,000 | 26,151,000 |
| Interest expense | 3,185,000 | 6,100,000 | 8,923,000 | 11,637,000 |
| Net interest income | 3,380,000 | 6,870,000 | 10,581,000 | 14,514,000 |
| Noninterest income | 504,000 | 1,046,000 | 1,587,000 | 2,055,000 |
| Noninterest expense | 2,299,000 | 4,573,000 | 7,239,000 | 9,456,000 |
| Provision for loan losses | 90,000 | 165,000 | 255,000 | 545,000 |
| Pretax income | 1,495,000 | 3,247,000 | 4,743,000 | 6,637,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,490,000 | 3,242,000 | 4,738,000 | 6,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,688,000 | 56,402,000 | 56,873,000 | 58,250,000 |
| Total capital | 57,933,000 | 57,764,000 | 59,185,000 | 60,668,000 |
| Risk-weighted assets | 277,362,000 | 286,614,000 | 288,666,000 | 293,916,000 |
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