One of the Biggest Risks in the Loan Market That Nobody’s Talking About’

Declining rates have given everyone – especially bankers – something to talk about.

With negative yields on 10-year government bonds in countries such as France, Germany, Sweden, the Netherlands, Switzerland and Japan, it’s no surprise that rates are top-of-mind. Read on to learn what Greg Sweeney, Bell Bank’s chief investment officer says is one of the biggest risks in the loan market that nobody’s talking about.

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Fourth-Quarter Considerations
As your business partner, we work to enhance your bank’s competitiveness, growth, profitability and ability to serve your commercial customers. Read on to find out what to keep in mind as 2019 draws to a close.

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Jordan McCollum Joins Bell’s Correspondent Team
As the newest member of Bell Bank’s correspondent banking team, Jordan McCollum may be helping with your loan approvals and portfolios. Read on to learn more about Jordan and how he got his start in banking.

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November Economic Outlook
In this month’s Economic Outlook, Greg Sweeney, Bell’s chief investment officer, shares his insights on interest rates, inflation and economic growth in the U.S.

 
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You Can Still Win a Bell Bank Golf Cart
We tried our hardest to give away this Bell Bank golf cart at nearly 30 golf events over the past year. The first person to hit a hole in one would have taken home the cart! Sadly, no one sank an ace at any of this year’s events. But we’re not giving up! We will have a new golf cart to give away in 2020. Make sure to brush up your swinging skills. We hope to see you on the course!

(Contact your correspondent banker to find out where you can have a chance to win the Bell Bank golf cart.)

Quarterly Financial Report
Q3 of 2019 turned out to be another strong quarter for Bell Bank. With total loan growth in second quarter of $225 million, the bank has had total loan growth in 2019 of more than $830 million through September 30. The bank has also had deposit growth of just over $770 million through three quarters. Net interest margin continues to hover right around 4.00% for the year. Net income through Q3 of 2019 is just over $54 million. 

Bell Bank
September 2019
Capital Ratios
Common Equity Tier 1 Capital
09.99%
Total Risk-Based Capital
11.08%
Leverage
9.46%
Key Call Report Information
Total Assets
$6,266,153,000
Total Liabilities
$5,672,578,000
Total Capital
$593,575,000
Total Loans
$5,964,188,000
Total Correspondent Loans
$807,720,000
Total Loss Reserve
$63,448,000
Net Income
$53,738,000
Call us for flexible underwriting, competitive rates and fast decisions.

Internet and Email Security
Bell Bank will never ask via email for private information such as your Social Security number, PIN, account number, or password. To learn more about your personal security, please visit our online security information located at
https://www.bell.bank/security/.

Bell Bank is a Member FDIC. 
Member FDIC

Bell Bank
3100 13th Ave S
Fargo, ND 58103
701.298.1550
800.450.8949