Call reports 2025
FIRST NATIONAL BANK OF BEMIDJI, THE — 2025
What FIRST NATIONAL BANK OF BEMIDJI, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 930,290,000 | 979,317,000 | 1,006,460,000 | 1,011,690,000 |
| Total loans | 409,602,000 | 430,278,000 | 443,162,000 | 467,332,000 |
| Allowance for loan losses | 3,175,000 | 3,188,000 | 3,223,000 | 3,344,000 |
| Securities available for sale | 473,914,000 | 480,191,000 | 504,072,000 | 512,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 800,896,000 | 828,620,000 | 839,419,000 | 848,755,000 |
| Interest-bearing deposits | 663,247,000 | 684,988,000 | 685,081,000 | 695,212,000 |
| Noninterest-bearing deposits | 137,649,000 | 143,632,000 | 154,338,000 | 153,543,000 |
| Equity capital | 65,902,000 | 65,025,000 | 75,962,000 | 82,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,821,000 | 21,190,000 | 33,068,000 | 45,604,000 |
| Interest expense | 5,683,000 | 11,007,000 | 16,429,000 | 21,779,000 |
| Net interest income | 4,138,000 | 10,183,000 | 16,639,000 | 23,825,000 |
| Noninterest income | 1,096,000 | 2,034,000 | 3,040,000 | 4,042,000 |
| Noninterest expense | 4,256,000 | 8,283,000 | 12,502,000 | 16,437,000 |
| Provision for loan losses | 0 | 40,000 | 110,000 | 345,000 |
| Pretax income | 1,035,000 | 3,951,000 | 7,141,000 | 10,477,000 |
| Income tax | 226,000 | 408,000 | 583,000 | 766,000 |
| Net income | 809,000 | 3,543,000 | 6,558,000 | 9,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,124,000 | 112,824,000 | 114,209,000 | 115,858,000 |