Call reports 2010
FIRST NATIONAL BANK OF BEMIDJI, THE — 2010
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 518,785,000 | 522,149,000 | 534,707,000 | 528,832,000 |
| Total loans | 293,372,000 | 298,482,000 | 293,827,000 | 290,817,000 |
| Allowance for loan losses | 2,515,000 | 2,529,000 | 2,507,000 | 2,481,000 |
| Securities available for sale | 196,067,000 | 193,781,000 | 195,323,000 | 199,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,034,000 | 410,669,000 | 418,352,000 | 419,252,000 |
| Interest-bearing deposits | 362,242,000 | 361,964,000 | 361,376,000 | 363,800,000 |
| Noninterest-bearing deposits | 51,792,000 | 48,705,000 | 56,976,000 | 55,452,000 |
| Equity capital | 65,169,000 | 68,217,000 | 71,469,000 | 69,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,316,000 | 12,859,000 | 19,448,000 | 25,872,000 |
| Interest expense | 2,231,000 | 4,364,000 | 6,385,000 | 8,285,000 |
| Net interest income | 4,085,000 | 8,495,000 | 13,063,000 | 17,587,000 |
| Noninterest income | 657,000 | 1,738,000 | 2,655,000 | 3,551,000 |
| Noninterest expense | 2,465,000 | 5,222,000 | 7,694,000 | 10,453,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 1,120,000 |
| Pretax income | 2,072,000 | 4,671,000 | 7,511,000 | 9,336,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 2,067,000 | 4,666,000 | 7,506,000 | 9,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,349,000 | 63,972,000 | 65,567,000 | 66,350,000 |
| Total capital | 64,876,000 | 66,512,000 | 68,085,000 | 68,836,000 |
| Risk-weighted assets | 320,889,000 | 323,941,000 | 323,463,000 | 321,797,000 |
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