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In this issue:

People-First Culture Propels Bell Through Pandemic
Bell Bank’s people-first culture is often credited for the company’s incredible, organic growth. Read on to find out why Bell leaders say it has also helped the company remain strong throughout the pandemic.

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How a Community Bank Lease Can Help You Grow Banking Relationships
If you’re not offering leasing services, you could be missing out on a relationship-building (and money-making) opportunity. Read on to learn how Bell Bank Equipment Finance can help you give your customers what they need without the burden of personnel, software or credit risk.

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Perfect Storm of 2020 Illustrates Importance of Investment Planning
Many people have called 2020 unprecedented, and they’re not wrong. From an investor’s perspective, 2020 was like nothing that has happened before. Read on to find out what Greg Sweeney, Bell’s chief investment officer, says is an even bigger and more important takeaway.

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February Economic Outlook
In this month’s Economic Outlook, Greg Sweeney, Bell’s chief investment officer, shares his insights on Federal Reserve policies, expectations for interest rates and inflation, and what's going on in national and global markets.

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Quarterly Financial Report
Wow, what an interesting year we’ve all had! Despite everything that’s happened, at Bell Bank, we’re thankful to have made it through the year with our great team. The bank set a record for profitability, thanks in large part to our residential real estate – with Bell Bank Mortgage continuing to set records month after month. Record earnings have allowed Bell to substantially prepare for COVID-19 pandemic unknowns. For 2020, total loans were up more than $1.2 billion, which includes $453 million in Paycheck Protection Program (PPP) loans, and deposits were up nearly $2 billion, with $44 million associated with PPP funding.

Bell Bank
December 2020
Capital Ratios
Common Equity Tier 1 Capital
13.18%
Total Risk-Based Capital
14.44%
Leverage
10.41%
Key Call Report Information
Total Assets
$8,771,234,000
Total Liabilities
$7,867,935,000
Total Capital
$903,299,000
Total Loans
$7,391,283,000
Total Correspondent Loans
$835,176,000
Total Loss Reserve
$141,545,000
Net Income
$115,619,000
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Bell Bank
3100 13th Ave S
Fargo, ND 58103
701.298.1550
800.450.8949