Call reports 2009
FIRST NATIONAL BANK OF BEMIDJI, THE — 2009
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 470,803,000 | 484,739,000 | 514,009,000 | 518,087,000 |
| Total loans | 282,565,000 | 290,064,000 | 285,745,000 | 288,278,000 |
| Allowance for loan losses | 2,521,000 | 2,514,000 | 2,555,000 | 2,482,000 |
| Securities available for sale | 147,708,000 | 167,932,000 | 187,297,000 | 196,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,904,000 | 387,315,000 | 417,436,000 | 419,065,000 |
| Interest-bearing deposits | 335,127,000 | 338,088,000 | 358,084,000 | 362,668,000 |
| Noninterest-bearing deposits | 46,777,000 | 49,227,000 | 59,352,000 | 56,397,000 |
| Equity capital | 57,477,000 | 59,100,000 | 62,571,000 | 64,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,154,000 | 12,500,000 | 18,899,000 | 25,326,000 |
| Interest expense | 2,489,000 | 5,024,000 | 7,507,000 | 9,876,000 |
| Net interest income | 3,665,000 | 7,476,000 | 11,392,000 | 15,450,000 |
| Noninterest income | 557,000 | 1,187,000 | 2,995,000 | 3,725,000 |
| Noninterest expense | 2,495,000 | 5,005,000 | 7,574,000 | 9,969,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,625,000 | 3,436,000 | 6,371,000 | 8,587,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,620,000 | 3,431,000 | 6,366,000 | 8,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,210,000 | 59,061,000 | 60,962,000 | 62,216,000 |
| Total capital | 60,735,000 | 61,584,000 | 63,528,000 | 64,707,000 |
| Risk-weighted assets | 298,333,000 | 307,667,000 | 309,431,000 | 315,205,000 |
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