Call reports 2003
FIRSTBANK OF BRECKENRIDGE — 2003
What FIRSTBANK OF BRECKENRIDGE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,951,000 | 93,260,000 | 97,309,000 | 98,659,000 |
| Total loans | 54,181,000 | 53,569,000 | 54,333,000 | 53,224,000 |
| Allowance for loan losses | 479,000 | 464,000 | 487,000 | 492,000 |
| Securities available for sale | 14,885,000 | 20,221,000 | 24,038,000 | 22,658,000 |
| Securities held to maturity | 13,363,000 | 13,064,000 | 12,778,000 | 12,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,741,000 | 79,822,000 | 87,554,000 | 90,252,000 |
| Interest-bearing deposits | 58,223,000 | 53,853,000 | 60,441,000 | 61,663,000 |
| Noninterest-bearing deposits | 29,518,000 | 25,969,000 | 27,114,000 | 28,588,000 |
| Equity capital | 7,387,000 | 7,851,000 | 8,028,000 | 7,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,292,000 | 2,561,000 | 3,847,000 | 5,085,000 |
| Interest expense | 222,000 | 443,000 | 661,000 | 878,000 |
| Net interest income | 1,070,000 | 2,118,000 | 3,186,000 | 4,207,000 |
| Noninterest income | 311,000 | 624,000 | 928,000 | 1,218,000 |
| Noninterest expense | 606,000 | 1,202,000 | 1,768,000 | 2,369,000 |
| Provision for loan losses | -107,000 | -124,000 | -87,000 | -80,000 |
| Pretax income | 882,000 | 1,664,000 | 2,433,000 | 3,136,000 |
| Income tax | 222,000 | 395,000 | 578,000 | 762,000 |
| Net income | 660,000 | 1,269,000 | 1,855,000 | 2,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,227,000 | 7,537,000 | 7,823,000 | 7,542,000 |
| Total capital | 7,706,000 | 8,001,000 | 8,310,000 | 8,034,000 |
| Risk-weighted assets | 52,583,000 | 51,642,000 | 53,626,000 | 52,474,000 |