The First National Bank of Bagley, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Established on June 2, 1903, First National Bank of Bagley is one of the oldest established banks in Clearwater County. It offers regular checking, club checking, commercial checking and interest checking services. The bank provides saving accounts, health savings accounts (HSA), regular passbooks, money market advantage, tiered rates and limited check writing, U.S. savings bonds, individual retirement accounts (traditional, roth and education) and certificates of deposits (CDs).

First National Bank of Bagley provides real estate mortgages for home equity, residential, commercial and agricultural purposes; commercial loans for equipment, furniture fixture, inventory, farm equipment, livestock, operating, logging equipment and small business administration; and consumer loans for auto, recreational, personal, home improvement and ready reserve. The bank additionally offers convenience services like night depository, wire transfers, direct deposit, safe deposit boxes and overdraft protection.