Call reports 2002
PELHAM BANKING COMPANY — 2002
What PELHAM BANKING COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,515,000 | 46,979,000 | 45,700,000 | 48,043,000 |
| Total loans | 20,399,000 | 23,046,000 | 23,471,000 | 22,859,000 |
| Allowance for loan losses | 183,000 | 173,000 | 176,000 | 188,000 |
| Securities available for sale | 17,760,000 | 17,625,000 | 18,522,000 | 19,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,707,000 | 38,672,000 | 36,318,000 | 39,222,000 |
| Interest-bearing deposits | 32,846,000 | 32,618,000 | 31,112,000 | 32,669,000 |
| Noninterest-bearing deposits | 5,861,000 | 6,054,000 | 5,206,000 | 6,553,000 |
| Equity capital | 7,126,000 | 7,527,000 | 7,871,000 | 7,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 705,000 | 1,435,000 | 2,151,000 | 2,848,000 |
| Interest expense | 271,000 | 506,000 | 720,000 | 934,000 |
| Net interest income | 434,000 | 929,000 | 1,431,000 | 1,914,000 |
| Noninterest income | 72,000 | 156,000 | 239,000 | 400,000 |
| Noninterest expense | 375,000 | 677,000 | 975,000 | 1,425,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 148,000 | 428,000 | 715,000 | 859,000 |
| Income tax | 39,000 | 125,000 | 211,000 | 219,000 |
| Net income | 109,000 | 303,000 | 504,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,943,000 | 7,136,000 | 7,337,000 | 7,241,000 |
| Total capital | 7,126,000 | 7,309,000 | 7,513,000 | 7,429,000 |
| Risk-weighted assets | 27,518,000 | 29,958,000 | 31,367,000 | 31,194,000 |
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