Call reports 2005
PENTUCKET BANK — 2005
What PENTUCKET 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 | 423,070,000 | 415,256,000 | 412,975,000 | 412,705,000 |
| Total loans | 220,476,000 | 226,650,000 | 228,557,000 | 235,082,000 |
| Allowance for loan losses | 2,237,000 | 2,267,000 | 2,296,000 | 2,318,000 |
| Securities available for sale | 162,014,000 | 159,574,000 | 156,102,000 | 154,913,000 |
| Securities held to maturity | 2,485,000 | 2,487,000 | 2,489,000 | 1,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,135,000 | 348,057,000 | 347,685,000 | 342,677,000 |
| Interest-bearing deposits | 329,334,000 | 318,420,000 | 316,400,000 | 312,687,000 |
| Noninterest-bearing deposits | 27,801,000 | 29,637,000 | 31,285,000 | 29,990,000 |
| Equity capital | 50,238,000 | 52,250,000 | 52,202,000 | 52,206,000 |
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 | 5,176,000 | 10,420,000 | 15,733,000 | 21,118,000 |
| Interest expense | 1,758,000 | 3,668,000 | 5,688,000 | 7,867,000 |
| Net interest income | 3,418,000 | 6,752,000 | 10,045,000 | 13,251,000 |
| Noninterest income | 147,000 | 333,000 | 543,000 | 739,000 |
| Noninterest expense | 2,192,000 | 4,377,000 | 6,561,000 | 8,810,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,813,000 | 3,394,000 | 5,008,000 | 6,463,000 |
| Income tax | 616,000 | 1,150,000 | 1,694,000 | 2,169,000 |
| Net income | 1,197,000 | 2,244,000 | 3,314,000 | 4,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,732,000 | 50,779,000 | 51,849,000 | 52,829,000 |
| Total capital | 52,945,000 | 54,049,000 | 55,096,000 | 55,952,000 |
| Risk-weighted assets | 280,622,000 | 279,007,000 | 278,331,000 | 289,036,000 |