Call reports 2004
FIRST BANK OF BRUNSWICK, THE — 2004
What FIRST BANK OF BRUNSWICK, 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 | 148,806,000 | 155,259,000 | 145,403,000 | 142,504,000 |
| Total loans | 114,189,000 | 121,581,000 | 110,699,000 | 107,573,000 |
| Allowance for loan losses | 1,684,000 | 1,704,000 | 1,626,000 | 1,602,000 |
| Securities available for sale | 13,858,000 | 13,034,000 | 13,287,000 | 13,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,902,000 | 91,778,000 | 98,921,000 | 98,338,000 |
| Interest-bearing deposits | 76,531,000 | 76,303,000 | 83,494,000 | 84,164,000 |
| Noninterest-bearing deposits | 15,371,000 | 15,475,000 | 15,427,000 | 14,174,000 |
| Equity capital | 25,053,000 | 25,203,000 | 25,810,000 | 26,158,000 |
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 | 1,868,000 | 3,735,000 | 5,721,000 | 7,668,000 |
| Interest expense | 440,000 | 876,000 | 1,348,000 | 1,827,000 |
| Net interest income | 1,428,000 | 2,859,000 | 4,373,000 | 5,841,000 |
| Noninterest income | 324,000 | 558,000 | 812,000 | 1,119,000 |
| Noninterest expense | 1,138,000 | 2,254,000 | 3,413,000 | 4,565,000 |
| Provision for loan losses | -25,000 | 13,000 | -123,000 | -143,000 |
| Pretax income | 639,000 | 1,150,000 | 1,895,000 | 2,540,000 |
| Income tax | 217,000 | 391,000 | 645,000 | 893,000 |
| Net income | 422,000 | 759,000 | 1,250,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,587,000 | 14,027,000 | 14,621,000 | 15,119,000 |
| Total capital | 15,049,000 | 15,661,000 | 16,150,000 | 16,588,000 |
| Risk-weighted assets | 116,703,000 | 130,619,000 | 122,202,000 | 117,397,000 |