Call reports 2009
PENTUCKET BANK — 2009
What PENTUCKET BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 505,159,000 | 524,444,000 | 587,961,000 | 605,067,000 |
| Total loans | 371,961,000 | 398,209,000 | 416,925,000 | 437,763,000 |
| Allowance for loan losses | 2,674,000 | 2,790,000 | 2,907,000 | 3,098,000 |
| Securities available for sale | 84,028,000 | 90,545,000 | 92,979,000 | 102,765,000 |
| Securities held to maturity | 499,000 | 499,000 | 499,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,245,000 | 442,050,000 | 503,810,000 | 516,962,000 |
| Interest-bearing deposits | 393,528,000 | 375,580,000 | 463,822,000 | 472,503,000 |
| Noninterest-bearing deposits | 35,717,000 | 66,470,000 | 39,988,000 | 44,459,000 |
| Equity capital | 51,689,000 | 54,419,000 | 57,692,000 | 57,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,370,000 | 12,927,000 | 19,673,000 | 26,914,000 |
| Interest expense | 2,930,000 | 5,707,000 | 8,507,000 | 11,642,000 |
| Net interest income | 3,440,000 | 7,220,000 | 11,166,000 | 15,272,000 |
| Noninterest income | 394,000 | 799,000 | 1,209,000 | 1,662,000 |
| Noninterest expense | 3,359,000 | 6,901,000 | 10,501,000 | 14,230,000 |
| Provision for loan losses | 90,000 | 210,000 | 390,000 | 840,000 |
| Pretax income | 402,000 | 925,000 | 1,455,000 | 1,283,000 |
| Income tax | 22,000 | 180,000 | 365,000 | 280,000 |
| Net income | 380,000 | 745,000 | 1,090,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,279,000 | 54,819,000 | 55,800,000 | 56,743,000 |
| Total capital | 56,953,000 | 57,609,000 | 58,707,000 | 59,841,000 |
| Risk-weighted assets | 361,064,000 | 386,791,000 | 400,945,000 | 429,144,000 |