Call reports 2005
PARTNERS BANK OF NEW ENGLAND — 2005
What PARTNERS BANK OF NEW ENGLAND 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 | 331,749,000 | 338,138,000 | 347,914,000 | 359,273,000 |
| Total loans | 249,386,000 | 258,098,000 | 269,585,000 | 281,660,000 |
| Allowance for loan losses | 3,534,000 | 3,620,000 | 3,620,000 | 3,583,000 |
| Securities available for sale | 67,414,000 | 62,876,000 | 60,078,000 | 57,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,651,000 | 216,718,000 | 228,593,000 | 236,610,000 |
| Interest-bearing deposits | 182,811,000 | 193,893,000 | 205,215,000 | 212,932,000 |
| Noninterest-bearing deposits | 20,840,000 | 22,825,000 | 23,378,000 | 23,678,000 |
| Equity capital | 36,229,000 | 36,999,000 | 37,091,000 | 36,893,000 |
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 | 4,424,000 | 9,186,000 | 14,018,000 | 19,159,000 |
| Interest expense | 1,776,000 | 3,809,000 | 6,005,000 | 8,325,000 |
| Net interest income | 2,648,000 | 5,377,000 | 8,013,000 | 10,834,000 |
| Noninterest income | 248,000 | 512,000 | 798,000 | 1,115,000 |
| Noninterest expense | 2,338,000 | 4,860,000 | 7,223,000 | 10,484,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 697,000 | 1,153,000 | 1,980,000 | 2,205,000 |
| Income tax | 252,000 | 420,000 | 685,000 | 640,000 |
| Net income | 445,000 | 733,000 | 1,295,000 | 1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,430,000 | 33,765,000 | 34,375,000 | 34,692,000 |
| Total capital | 37,362,000 | 37,903,000 | 38,412,000 | 38,588,000 |
| Risk-weighted assets | 204,230,000 | 210,123,000 | 218,755,000 | 218,464,000 |