Call reports 2004
FIRSTBANK OF BRECKENRIDGE — 2004
What FIRSTBANK OF BRECKENRIDGE 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 | 106,548,000 | 108,465,000 | 112,139,000 | 120,290,000 |
| Total loans | 53,075,000 | 55,390,000 | 58,332,000 | 59,110,000 |
| Allowance for loan losses | 465,000 | 490,000 | 648,000 | 635,000 |
| Securities available for sale | 35,841,000 | 35,941,000 | 37,301,000 | 36,907,000 |
| Securities held to maturity | 12,078,000 | 12,018,000 | 11,682,000 | 18,136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,563,000 | 88,839,000 | 94,363,000 | 94,118,000 |
| Interest-bearing deposits | 64,487,000 | 59,988,000 | 63,642,000 | 63,161,000 |
| Noninterest-bearing deposits | 30,075,000 | 28,851,000 | 30,722,000 | 30,958,000 |
| Equity capital | 8,431,000 | 7,890,000 | 8,337,000 | 8,291,000 |
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 | 1,335,000 | 2,710,000 | 4,103,000 | 5,595,000 |
| Interest expense | 213,000 | 435,000 | 670,000 | 964,000 |
| Net interest income | 1,122,000 | 2,275,000 | 3,433,000 | 4,631,000 |
| Noninterest income | 300,000 | 576,000 | 839,000 | 1,127,000 |
| Noninterest expense | 634,000 | 1,308,000 | 1,987,000 | 2,733,000 |
| Provision for loan losses | -14,000 | 8,000 | 173,000 | 167,000 |
| Pretax income | 802,000 | 1,535,000 | 2,112,000 | 2,858,000 |
| Income tax | 212,000 | 412,000 | 545,000 | 752,000 |
| Net income | 590,000 | 1,123,000 | 1,567,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,831,000 | 7,865,000 | 7,808,000 | 7,846,000 |
| Total capital | 8,296,000 | 8,355,000 | 8,456,000 | 8,481,000 |
| Risk-weighted assets | 54,087,000 | 56,247,000 | 56,364,000 | 57,619,000 |