Call reports 2004
FIRST NATIONAL BANK OF BANGOR, THE — 2004
What FIRST NATIONAL BANK OF BANGOR, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 159,363,000 | 165,199,000 | 166,482,000 | 171,929,000 |
| Total loans | 106,432,000 | 107,116,000 | 108,795,000 | 114,486,000 |
| Allowance for loan losses | 1,604,000 | 1,657,000 | 1,709,000 | 1,783,000 |
| Securities available for sale | 15,474,000 | 28,667,000 | 30,924,000 | 28,758,000 |
| Securities held to maturity | 23,235,000 | 19,456,000 | 17,451,000 | 18,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,930,000 | 135,557,000 | 136,176,000 | 141,147,000 |
| Interest-bearing deposits | 114,735,000 | 117,531,000 | 118,839,000 | 121,880,000 |
| Noninterest-bearing deposits | 15,195,000 | 18,026,000 | 17,337,000 | 19,267,000 |
| Equity capital | 25,391,000 | 25,566,000 | 26,377,000 | 26,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 4,172,000 | 6,341,000 | 8,634,000 |
| Interest expense | 598,000 | 1,163,000 | 1,737,000 | 2,323,000 |
| Net interest income | 1,476,000 | 3,009,000 | 4,604,000 | 6,311,000 |
| Noninterest income | 103,000 | 226,000 | 342,000 | 454,000 |
| Noninterest expense | 467,000 | 925,000 | 1,473,000 | 1,975,000 |
| Provision for loan losses | 99,000 | 198,000 | 297,000 | 396,000 |
| Pretax income | 1,013,000 | 2,112,000 | 3,176,000 | 4,394,000 |
| Income tax | 368,000 | 777,000 | 1,193,000 | 1,670,000 |
| Net income | 645,000 | 1,335,000 | 1,983,000 | 2,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,320,000 | 25,703,000 | 26,358,000 | 26,799,000 |
| Total capital | 26,759,000 | 27,168,000 | 27,831,000 | 28,310,000 |
| Risk-weighted assets | 114,919,000 | 116,985,000 | 117,346,000 | 120,655,000 |