The First National Bank of Bemidji in city_name, state_name

The First National Bank of Bemidji in Bemidji, Minnesota (MN)
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The First National Bank of Bemidji routing number info

The First National Bank of Bemidji - Overview

General
FDIC Certificate #: 5093
Status: Active
Federal Reserve ID: 363657
Bank Holding Company (Regulatory Top Holder): First National Bank Of Bemidji Esop And Trust (RSSDID: 1248546, Location: Bemidji, MN)
Date Established: November 27, 1897
WWW: http://www.fnbbemidji.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 3403
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 19, 2008
Last Structure Change Process Date: May 30, 2008
Last Data Update: May 30, 2008
Data Source Date: April 05, 2012
Location
Address: 1600 Paul Bunyan Dr, Bemidji, MN 56601
County: Beltrami
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Grand Forks
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Bemidji, MN (#13420)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $555.6 mil
Equity capital: $78.4 mil
Deposits held in domestic offices: $442.4 mil
Return on assets (ROA): 1.88% ($10.5 mil)
Quarterly return on assets: 1.60% ($8.9 mil)
Return on Equity (ROE): 13.72% ($10.7 mil)
Quarterly return on equity: 11.36% ($8.9 mil)
Net income: $10.1 mil
Quarterly Net income: $2.2 mil
Pretax return on assets: 1.88% ($10,445.8 mil)
Quarterly Pretax return on assets: 1.60% ($8,890.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
105Total employees (full-time equivalent)
$555,629Total assets
$27,642Cash and due from depository institutions
$19,661Interest-bearing balances
$236,110Securities
$0Federal funds sold & reverse repurchase agreements
$265,246Net loans & leases
$2,324Loan loss allowance
$0Trading account assets
$12,277Bank premises and fixed assets
$2,690Other real estate owned
$351Goodwill and other intangibles
$555,629Life insurance assets
$11,313All other assets
$477,239Total liabilities and capital
$442,450Total liabilities
$385,473Total deposits
$442,450Interest-bearing deposits
$82Deposits held in domestic offices
33461.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,328Subordinated debt
$78,390All other liabilities
$78,390Total equity capital
$78,390Total bank equity capital
$0Perpetual preferred stock
$3,000Common stock
$3,000Surplus
$72,390Undivided profits
Memoranda
$0Noncurrent loans and leases
$526Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,227Income earned, not collected on loans
$0Earning assets
$1,428Long-term assets (5+ years)
$521,017Average Assets, year-to-date
$176,733Average Assets, quarterly
$538,900Volatile liabilities
$553,998Insider loans
$307,050FHLB advances
$559,505Loans and leases held for sale
$5,896Unused loan commitments
$5,896Tier 1 (core) risk-based capital
$70,475Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,037Restructured Loans and leases
$4,435Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$24,585Total interest income
$6,439Total interest expense
$18,146Net interest income
$300Provision for loan and lease losses
$2,579Total noninterest income
$0Fiduciary activities
$977Service charges on deposit accounts
$0Trading account gains & fees
$1,602Additional noninterest income
$10,318Total noninterest expense
$5,839Salaries and employee benefits
$1,399Premises and equipment expense
$3,080Additional noninterest expense
$10,107Pre-tax net operating income
$15Securities gains (losses)
$5Applicable income taxes
$10,117Income before extraordinary items
$0Extraordinary gains - net
$10,117Net income attributable to bank
$0Net charge-offs
$10,117Cash dividends
$457Sale, conversion, retirement of capital stock, net
$5,979Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.85%Yield on earning assets
1.27%Cost of funding earning assets
3.58%Net interest margin
0.51%Noninterest income to earning assets
2.04%Noninterest expense to earning assets
1.87%Net operating income to assets
1.88%Return on assets (ROA)
1.88%Pretax return on assets
13.72%Return on equity (ROE)
5.61%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
65.65%Credit loss provision to net charge-offs
22.77%Efficiency ratio
49,785Assets per employee
5.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
59.10%Loss allowance to loans
0.87%Loss allowance to noncurrent loans
72.02%Noncurrent assets plus other real estate owned to assets
1.06%Noncurrent loans to loans
1.21%Net loans and leases to deposits
59.95%Net loans and leases to core deposits
64.68%Equity capital to assets
14.11%Core capital (leverage) ratio
12.60%Tier 1 risk-based capital ratio
22.95%Total risk-based capital ratio
Memoranda
$24Average assets
$538,900Average earning assets
$73,753Average equity
$506,984Average loans

List of branches

4 Minnesota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3403	The First National Bank Of Bemidji	1600 Paul Bunyan Dr, Bemidji, MN 56601	November 27, 1897	Full Service Brick and Mortar
2	207104	Express Branch	429 Minnesota Avenue, Bemidji, MN 56619	December 15, 1987	Full Service Brick and Mortar
3	334407	South Branch	607 Washington Avenue S, Bemidji, MN 56601	May 05, 2000	Full Service Brick and Mortar
4	429937	Fnbbemidji.Com Branch	502 Minnesota Ave, Bemidji, MN 56619	June 30, 2004	Full Service Cyber

The First National Bank of Bemidji in Bemidji, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Bemidji - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Bemidji in Bemidji, Minnesota (MN)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Bemidji - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Bemidji in Bemidji, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches