Call reports 2006
FIRSTBANK OF BRECKENRIDGE — 2006
What FIRSTBANK OF BRECKENRIDGE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 134,850,000 | 139,419,000 | 140,100,000 | 139,546,000 |
| Total loans | 77,441,000 | 81,382,000 | 83,064,000 | 84,699,000 |
| Allowance for loan losses | 718,000 | 732,000 | 762,000 | 793,000 |
| Securities available for sale | 25,743,000 | 24,850,000 | 24,297,000 | 23,812,000 |
| Securities held to maturity | 25,957,000 | 26,411,000 | 26,469,000 | 25,065,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,762,000 | 106,111,000 | 115,330,000 | 120,058,000 |
| Interest-bearing deposits | 76,779,000 | 74,949,000 | 83,544,000 | 85,080,000 |
| Noninterest-bearing deposits | 30,983,000 | 31,162,000 | 31,785,000 | 34,978,000 |
| Equity capital | 8,222,000 | 8,284,000 | 8,617,000 | 8,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,661,000 | 5,639,000 | 7,672,000 |
| Interest expense | 681,000 | 1,555,000 | 2,508,000 | 3,454,000 |
| Net interest income | 1,055,000 | 2,106,000 | 3,131,000 | 4,218,000 |
| Noninterest income | 299,000 | 585,000 | 861,000 | 1,163,000 |
| Noninterest expense | 742,000 | 1,419,000 | 2,075,000 | 2,779,000 |
| Provision for loan losses | 20,000 | 43,000 | 76,000 | 113,000 |
| Pretax income | 592,000 | 1,229,000 | 1,841,000 | 2,489,000 |
| Income tax | 145,000 | 308,000 | 465,000 | 632,000 |
| Net income | 447,000 | 921,000 | 1,376,000 | 1,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,169,000 | 8,342,000 | 8,498,000 | 8,479,000 |
| Total capital | 8,917,000 | 9,106,000 | 9,293,000 | 9,306,000 |
| Risk-weighted assets | 73,851,000 | 77,749,000 | 78,210,000 | 80,350,000 |