Call reports 2004
BANKNORTH — 2004
What BANKNORTH reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 67,489,000 | 75,498,000 | 80,000,000 | 77,919,000 |
| Total loans | 53,602,000 | 62,799,000 | 64,807,000 | 65,180,000 |
| Allowance for loan losses | 711,000 | 721,000 | 721,000 | 724,000 |
| Securities available for sale | 5,010,000 | 4,676,000 | 4,471,000 | 4,305,000 |
| Securities held to maturity | 2,017,000 | 2,021,000 | 2,131,000 | 2,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,932,000 | 53,868,000 | 59,554,000 | 61,627,000 |
| Interest-bearing deposits | 48,432,000 | 46,099,000 | 50,187,000 | 52,810,000 |
| Noninterest-bearing deposits | 8,500,000 | 7,769,000 | 9,367,000 | 8,817,000 |
| Equity capital | 6,226,000 | 5,950,000 | 6,230,000 | 6,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 981,000 | 2,052,000 | 3,217,000 | 4,421,000 |
| Interest expense | 244,000 | 490,000 | 786,000 | 1,098,000 |
| Net interest income | 737,000 | 1,562,000 | 2,431,000 | 3,323,000 |
| Noninterest income | 38,000 | 66,000 | 105,000 | 139,000 |
| Noninterest expense | 494,000 | 934,000 | 1,438,000 | 2,049,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 261,000 | 674,000 | 1,078,000 | 1,393,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 40,000 |
| Net income | 253,000 | 659,000 | 1,055,000 | 1,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,135,000 | 5,914,000 | 6,161,000 | 6,459,000 |
| Total capital | 6,825,000 | 6,635,000 | 6,882,000 | 7,183,000 |
| Risk-weighted assets | 55,184,000 | 61,512,000 | 64,671,000 | 65,224,000 |