Call reports 2004
PENTUCKET BANK — 2004
What PENTUCKET BANK 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 | 398,572,000 | 398,275,000 | 406,119,000 | 415,764,000 |
| Total loans | 206,033,000 | 211,391,000 | 211,698,000 | 216,934,000 |
| Allowance for loan losses | 1,736,000 | 1,876,000 | 1,959,000 | 2,050,000 |
| Securities available for sale | 149,499,000 | 153,213,000 | 150,734,000 | 162,236,000 |
| Securities held to maturity | 1,985,000 | 1,986,000 | 1,988,000 | 1,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,726,000 | 336,645,000 | 342,733,000 | 345,232,000 |
| Interest-bearing deposits | 304,100,000 | 308,028,000 | 316,274,000 | 318,281,000 |
| Noninterest-bearing deposits | 25,626,000 | 28,617,000 | 26,459,000 | 26,951,000 |
| Equity capital | 49,805,000 | 48,124,000 | 50,281,000 | 51,392,000 |
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 | 4,648,000 | 9,297,000 | 14,065,000 | 19,106,000 |
| Interest expense | 1,587,000 | 3,177,000 | 4,727,000 | 6,465,000 |
| Net interest income | 3,061,000 | 6,120,000 | 9,338,000 | 12,641,000 |
| Noninterest income | 186,000 | 346,000 | 509,000 | 661,000 |
| Noninterest expense | 1,950,000 | 3,923,000 | 5,924,000 | 8,025,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,590,000 | 3,150,000 | 4,661,000 | 6,165,000 |
| Income tax | 551,000 | 1,087,000 | 1,613,000 | 2,130,000 |
| Net income | 1,039,000 | 2,063,000 | 3,048,000 | 4,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,539,000 | 46,563,000 | 47,548,000 | 48,535,000 |
| Total capital | 48,306,000 | 49,257,000 | 50,413,000 | 51,951,000 |
| Risk-weighted assets | 261,504,000 | 269,796,000 | 268,273,000 | 275,535,000 |