Call reports 2006
PENTUCKET BANK — 2006
What PENTUCKET BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 416,534,000 | 422,989,000 | 432,583,000 | 442,450,000 |
| Total loans | 242,192,000 | 248,678,000 | 264,334,000 | 270,427,000 |
| Allowance for loan losses | 2,343,000 | 2,369,000 | 2,395,000 | 2,423,000 |
| Securities available for sale | 142,768,000 | 138,751,000 | 138,842,000 | 136,089,000 |
| Securities held to maturity | 1,492,000 | 1,493,000 | 1,494,000 | 1,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,048,000 | 358,802,000 | 363,164,000 | 370,939,000 |
| Interest-bearing deposits | 319,415,000 | 329,715,000 | 333,820,000 | 340,784,000 |
| Noninterest-bearing deposits | 31,633,000 | 29,087,000 | 29,344,000 | 30,155,000 |
| Equity capital | 52,597,000 | 52,878,000 | 54,816,000 | 55,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,355,000 | 10,881,000 | 16,575,000 | 22,433,000 |
| Interest expense | 2,360,000 | 4,944,000 | 7,900,000 | 11,140,000 |
| Net interest income | 2,995,000 | 5,937,000 | 8,675,000 | 11,293,000 |
| Noninterest income | 180,000 | 414,000 | 595,000 | 790,000 |
| Noninterest expense | 2,306,000 | 4,627,000 | 6,950,000 | 9,817,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,172,000 | 2,357,000 | 3,257,000 | 3,523,000 |
| Income tax | 366,000 | 800,000 | 1,132,000 | 1,247,000 |
| Net income | 806,000 | 1,557,000 | 2,125,000 | 2,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,635,000 | 54,386,000 | 54,954,000 | 55,105,000 |
| Total capital | 56,843,000 | 57,508,000 | 58,289,000 | 58,861,000 |
| Risk-weighted assets | 280,775,000 | 285,294,000 | 294,727,000 | 300,200,000 |