Call reports 2005
NEW ENGLAND BANK — 2005
What NEW ENGLAND BANK 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 | 133,124,000 | 136,907,000 | 148,429,000 | 160,807,000 |
| Total loans | 84,163,000 | 86,448,000 | 94,881,000 | 111,319,000 |
| Allowance for loan losses | 1,151,000 | 1,095,000 | 1,198,000 | 1,448,000 |
| Securities available for sale | 38,367,000 | 37,206,000 | 38,864,000 | 34,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,980,000 | 114,918,000 | 124,751,000 | 132,065,000 |
| Interest-bearing deposits | 98,680,000 | 98,503,000 | 104,805,000 | 112,210,000 |
| Noninterest-bearing deposits | 14,300,000 | 16,415,000 | 19,946,000 | 19,855,000 |
| Equity capital | 9,168,000 | 9,560,000 | 12,805,000 | 12,915,000 |
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 | 1,684,000 | 3,478,000 | 5,413,000 | 7,595,000 |
| Interest expense | 542,000 | 1,125,000 | 1,823,000 | 2,610,000 |
| Net interest income | 1,142,000 | 2,353,000 | 3,590,000 | 4,985,000 |
| Noninterest income | 89,000 | 191,000 | 290,000 | 385,000 |
| Noninterest expense | 875,000 | 1,815,000 | 2,698,000 | 3,608,000 |
| Provision for loan losses | 76,000 | 95,000 | 218,000 | 348,000 |
| Pretax income | 280,000 | 634,000 | 964,000 | 1,414,000 |
| Income tax | 109,000 | 251,000 | 357,000 | 524,000 |
| Net income | 171,000 | 383,000 | 607,000 | 890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,530,000 | 9,742,000 | 13,073,000 | 13,355,000 |
| Total capital | 10,678,000 | 10,918,000 | 14,347,000 | 14,795,000 |
| Risk-weighted assets | 91,638,000 | 93,911,000 | 101,730,000 | 115,084,000 |