Call reports 2007
PENTUCKET BANK — 2007
What PENTUCKET BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 477,192,000 | 497,727,000 | 499,703,000 | 493,747,000 |
| Total loans | 273,130,000 | 281,699,000 | 291,770,000 | 304,640,000 |
| Allowance for loan losses | 2,445,000 | 2,475,000 | 2,502,000 | 2,473,000 |
| Securities available for sale | 133,358,000 | 143,406,000 | 145,163,000 | 133,179,000 |
| Securities held to maturity | 996,000 | 996,000 | 997,000 | 997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,324,000 | 425,813,000 | 426,092,000 | 420,079,000 |
| Interest-bearing deposits | 375,280,000 | 394,139,000 | 392,132,000 | 387,201,000 |
| Noninterest-bearing deposits | 30,044,000 | 31,674,000 | 33,960,000 | 32,878,000 |
| Equity capital | 56,425,000 | 56,391,000 | 57,120,000 | 57,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,035,000 | 12,644,000 | 19,394,000 | 26,216,000 |
| Interest expense | 3,395,000 | 7,337,000 | 11,423,000 | 15,359,000 |
| Net interest income | 2,640,000 | 5,307,000 | 7,971,000 | 10,857,000 |
| Noninterest income | 234,000 | 477,000 | 990,000 | 1,328,000 |
| Noninterest expense | 2,816,000 | 5,668,000 | 8,656,000 | 11,756,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 401,000 | 941,000 | 1,625,000 | 2,084,000 |
| Income tax | -149,000 | 49,000 | 294,000 | 464,000 |
| Net income | 550,000 | 892,000 | 1,331,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,655,000 | 55,997,000 | 56,436,000 | 56,725,000 |
| Total capital | 59,391,000 | 59,737,000 | 59,876,000 | 59,656,000 |
| Risk-weighted assets | 307,760,000 | 317,960,000 | 322,746,000 | 327,171,000 |