Call reports 2004
PARTNERS BANK OF NEW ENGLAND — 2004
What PARTNERS BANK OF NEW ENGLAND 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 | 318,487,000 | 334,798,000 | 329,625,000 | 326,589,000 |
| Total loans | 234,550,000 | 241,180,000 | 243,611,000 | 242,592,000 |
| Allowance for loan losses | 3,306,000 | 3,290,000 | 3,317,000 | 3,509,000 |
| Securities available for sale | 70,284,000 | 79,296,000 | 71,722,000 | 70,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,171,000 | 202,660,000 | 205,504,000 | 201,619,000 |
| Interest-bearing deposits | 185,106,000 | 183,537,000 | 184,693,000 | 181,689,000 |
| Noninterest-bearing deposits | 16,065,000 | 19,123,000 | 20,811,000 | 19,930,000 |
| Equity capital | 35,717,000 | 35,025,000 | 35,958,000 | 36,811,000 |
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 | 4,390,000 | 8,788,000 | 13,265,000 | 17,873,000 |
| Interest expense | 1,713,000 | 3,349,000 | 5,055,000 | 6,751,000 |
| Net interest income | 2,677,000 | 5,439,000 | 8,210,000 | 11,122,000 |
| Noninterest income | 195,000 | 409,000 | 635,000 | 894,000 |
| Noninterest expense | 2,274,000 | 4,544,000 | 7,002,000 | 9,602,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 963,000 | 1,721,000 | 2,480,000 | 2,953,000 |
| Income tax | 369,000 | 636,000 | 975,000 | 935,000 |
| Net income | 594,000 | 1,085,000 | 1,505,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,372,000 | 31,910,000 | 32,377,000 | 32,938,000 |
| Total capital | 35,064,000 | 35,669,000 | 36,242,000 | 37,153,000 |
| Risk-weighted assets | 194,894,000 | 195,702,000 | 201,921,000 | 200,673,000 |