Call reports 2003
PENTUCKET BANK — 2003
What PENTUCKET BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 344,457,000 | 373,021,000 | 382,444,000 | 384,295,000 |
| Total loans | 179,698,000 | 185,863,000 | 193,775,000 | 202,889,000 |
| Allowance for loan losses | 1,461,000 | 1,535,000 | 1,610,000 | 1,656,000 |
| Securities available for sale | 138,834,000 | 146,284,000 | 153,348,000 | 152,113,000 |
| Securities held to maturity | 2,977,000 | 2,979,000 | 2,981,000 | 2,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,358,000 | 312,916,000 | 322,289,000 | 322,461,000 |
| Interest-bearing deposits | 263,597,000 | 288,838,000 | 297,725,000 | 297,302,000 |
| Noninterest-bearing deposits | 20,761,000 | 24,078,000 | 24,564,000 | 25,159,000 |
| Equity capital | 43,969,000 | 46,349,000 | 46,660,000 | 48,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,510,000 | 9,125,000 | 13,745,000 | 18,442,000 |
| Interest expense | 1,832,000 | 3,586,000 | 5,184,000 | 6,840,000 |
| Net interest income | 2,678,000 | 5,539,000 | 8,561,000 | 11,602,000 |
| Noninterest income | 100,000 | 216,000 | 338,000 | 465,000 |
| Noninterest expense | 1,761,000 | 3,567,000 | 5,415,000 | 7,334,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,150,000 | 2,503,000 | 3,946,000 | 5,424,000 |
| Income tax | 389,000 | 861,000 | 1,368,000 | 1,806,000 |
| Net income | 761,000 | 1,642,000 | 2,578,000 | 3,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,866,000 | 42,524,000 | 43,460,000 | 44,500,000 |
| Total capital | 42,327,000 | 44,289,000 | 45,410,000 | 47,131,000 |
| Risk-weighted assets | 227,732,000 | 244,091,000 | 251,237,000 | 257,914,000 |