Call reports 2015
PENTUCKET BANK — 2015
What PENTUCKET BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 682,362,000 | 645,655,000 | 641,016,000 | 650,991,000 |
| Total loans | 469,611,000 | 457,427,000 | 456,938,000 | 453,175,000 |
| Allowance for loan losses | 3,656,000 | 3,811,000 | 3,902,000 | 3,966,000 |
| Securities available for sale | 125,845,000 | 123,258,000 | 119,283,000 | 123,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,602,000 | 534,321,000 | 533,827,000 | 543,975,000 |
| Interest-bearing deposits | 487,987,000 | 451,853,000 | 451,443,000 | 460,254,000 |
| Noninterest-bearing deposits | 83,615,000 | 82,468,000 | 82,384,000 | 83,721,000 |
| Equity capital | 79,854,000 | 79,320,000 | 79,247,000 | 79,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,605,000 | 11,224,000 | 16,741,000 | 22,236,000 |
| Interest expense | 1,073,000 | 1,976,000 | 2,772,000 | 3,589,000 |
| Net interest income | 4,532,000 | 9,248,000 | 13,969,000 | 18,647,000 |
| Noninterest income | 501,000 | 1,070,000 | 1,604,000 | 2,136,000 |
| Noninterest expense | 4,617,000 | 9,125,000 | 13,609,000 | 18,362,000 |
| Provision for loan losses | 220,000 | 355,000 | 400,000 | 445,000 |
| Pretax income | 2,266,000 | 3,296,000 | 4,131,000 | 4,744,000 |
| Income tax | 648,000 | 838,000 | 974,000 | 1,039,000 |
| Net income | 1,618,000 | 2,458,000 | 3,157,000 | 3,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,740,000 | 77,580,000 | 78,279,000 | 78,826,000 |
| Total capital | 82,706,000 | 83,285,000 | 83,155,000 | 84,421,000 |
| Risk-weighted assets | 497,801,000 | 495,908,000 | 499,844,000 | 501,669,000 |