Call reports 2015
FIRST NATIONAL BANK OF BEMIDJI, THE — 2015
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 615,305,000 | 642,331,000 | 640,336,000 | 655,754,000 |
| Total loans | 313,947,000 | 336,239,000 | 349,300,000 | 349,940,000 |
| Allowance for loan losses | 1,902,000 | 1,920,000 | 1,947,000 | 1,881,000 |
| Securities available for sale | 273,006,000 | 273,840,000 | 264,374,000 | 278,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,329,000 | 475,374,000 | 497,062,000 | 476,831,000 |
| Interest-bearing deposits | 389,850,000 | 394,181,000 | 401,159,000 | 388,747,000 |
| Noninterest-bearing deposits | 78,479,000 | 81,193,000 | 95,903,000 | 88,084,000 |
| Equity capital | 89,945,000 | 88,072,000 | 91,160,000 | 92,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,826,000 | 11,906,000 | 18,034,000 | 24,323,000 |
| Interest expense | 796,000 | 1,582,000 | 2,368,000 | 3,128,000 |
| Net interest income | 5,030,000 | 10,324,000 | 15,666,000 | 21,195,000 |
| Noninterest income | 601,000 | 1,304,000 | 2,344,000 | 3,319,000 |
| Noninterest expense | 2,994,000 | 6,108,000 | 9,278,000 | 12,713,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 375,000 |
| Pretax income | 3,129,000 | 6,473,000 | 10,075,000 | 13,064,000 |
| Income tax | 10,000 | 10,000 | 10,000 | 10,000 |
| Net income | 3,119,000 | 6,463,000 | 10,065,000 | 13,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,918,000 | 84,603,000 | 86,546,000 | 87,466,000 |
| Total capital | 84,829,000 | 86,528,000 | 88,501,000 | 89,353,000 |
| Risk-weighted assets | 391,383,000 | 412,135,000 | 417,626,000 | 424,841,000 |