Call reports 2016
FIRST NATIONAL BANK OF BEMIDJI, THE — 2016
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 643,654,000 | 660,719,000 | 659,759,000 | 675,849,000 |
| Total loans | 360,316,000 | 373,360,000 | 374,938,000 | 383,142,000 |
| Allowance for loan losses | 1,922,000 | 1,930,000 | 1,855,000 | 1,948,000 |
| Securities available for sale | 259,424,000 | 260,265,000 | 255,413,000 | 265,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,536,000 | 470,036,000 | 484,510,000 | 487,080,000 |
| Interest-bearing deposits | 392,916,000 | 388,888,000 | 396,841,000 | 400,058,000 |
| Noninterest-bearing deposits | 81,620,000 | 81,148,000 | 87,669,000 | 87,022,000 |
| Equity capital | 95,030,000 | 100,546,000 | 99,081,000 | 90,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,991,000 | 12,118,000 | 18,228,000 | 24,341,000 |
| Interest expense | 760,000 | 1,517,000 | 2,360,000 | 3,269,000 |
| Net interest income | 5,231,000 | 10,601,000 | 15,868,000 | 21,072,000 |
| Noninterest income | 578,000 | 1,227,000 | 2,053,000 | 2,774,000 |
| Noninterest expense | 3,042,000 | 6,087,000 | 9,302,000 | 12,297,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 3,520,000 | 7,297,000 | 10,445,000 | 12,865,000 |
| Income tax | 10,000 | 10,000 | 10,000 | 10,000 |
| Net income | 3,510,000 | 7,287,000 | 10,435,000 | 12,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,715,000 | 89,451,000 | 90,559,000 | 91,164,000 |
| Total capital | 89,645,000 | 91,392,000 | 92,423,000 | 93,113,000 |
| Risk-weighted assets | 426,391,000 | 451,609,000 | 457,139,000 | 455,105,000 |