Call reports 2005
FIRSTBANK OF BRECKENRIDGE — 2005
What FIRSTBANK OF BRECKENRIDGE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,181,000 | 115,915,000 | 120,161,000 | 125,094,000 |
| Total loans | 59,828,000 | 65,137,000 | 68,866,000 | 73,309,000 |
| Allowance for loan losses | 623,000 | 686,000 | 653,000 | 701,000 |
| Securities available for sale | 26,290,000 | 27,180,000 | 26,921,000 | 26,309,000 |
| Securities held to maturity | 18,681,000 | 19,387,000 | 19,236,000 | 19,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,321,000 | 93,143,000 | 100,046,000 | 106,255,000 |
| Interest-bearing deposits | 71,054,000 | 65,807,000 | 70,051,000 | 76,476,000 |
| Noninterest-bearing deposits | 30,267,000 | 27,336,000 | 29,995,000 | 29,780,000 |
| Equity capital | 8,217,000 | 8,422,000 | 8,317,000 | 8,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,401,000 | 2,936,000 | 4,542,000 | 6,192,000 |
| Interest expense | 304,000 | 695,000 | 1,176,000 | 1,744,000 |
| Net interest income | 1,097,000 | 2,241,000 | 3,366,000 | 4,448,000 |
| Noninterest income | 284,000 | 587,000 | 850,000 | 1,110,000 |
| Noninterest expense | 667,000 | 1,288,000 | 1,930,000 | 2,576,000 |
| Provision for loan losses | -9,000 | 35,000 | 13,000 | 64,000 |
| Pretax income | 809,000 | 1,591,000 | 2,359,000 | 3,004,000 |
| Income tax | 227,000 | 447,000 | 661,000 | 829,000 |
| Net income | 582,000 | 1,144,000 | 1,698,000 | 2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,029,000 | 8,091,000 | 8,146,000 | 8,022,000 |
| Total capital | 8,652,000 | 8,777,000 | 8,799,000 | 8,723,000 |
| Risk-weighted assets | 56,473,000 | 61,736,000 | 64,454,000 | 68,583,000 |