Call reports 2008
PENTUCKET BANK — 2008
What PENTUCKET BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 500,699,000 | 504,882,000 | 500,312,000 | 496,081,000 |
| Total loans | 321,276,000 | 347,496,000 | 363,771,000 | 369,205,000 |
| Allowance for loan losses | 2,499,000 | 2,530,000 | 2,583,000 | 2,577,000 |
| Securities available for sale | 119,311,000 | 113,342,000 | 95,503,000 | 86,218,000 |
| Securities held to maturity | 997,000 | 998,000 | 998,000 | 499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,229,000 | 431,397,000 | 430,636,000 | 424,959,000 |
| Interest-bearing deposits | 389,760,000 | 393,591,000 | 393,305,000 | 388,849,000 |
| Noninterest-bearing deposits | 34,469,000 | 37,806,000 | 37,331,000 | 36,110,000 |
| Equity capital | 57,095,000 | 55,984,000 | 53,667,000 | 52,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,540,000 | 13,133,000 | 19,837,000 | 26,408,000 |
| Interest expense | 3,666,000 | 6,988,000 | 10,232,000 | 13,379,000 |
| Net interest income | 2,874,000 | 6,145,000 | 9,605,000 | 13,029,000 |
| Noninterest income | 380,000 | 760,000 | 1,102,000 | 1,458,000 |
| Noninterest expense | 3,166,000 | 6,276,000 | 9,289,000 | 12,604,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 165,000 |
| Pretax income | 401,000 | 1,098,000 | 1,698,000 | 110,000 |
| Income tax | -106,000 | 108,000 | 295,000 | 107,000 |
| Net income | 507,000 | 990,000 | 1,403,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,030,000 | 56,217,000 | 56,598,000 | 54,238,000 |
| Total capital | 59,529,000 | 58,747,000 | 59,181,000 | 56,815,000 |
| Risk-weighted assets | 340,815,000 | 353,478,000 | 360,032,000 | 356,531,000 |