Call reports 2003
PELHAM BANKING COMPANY — 2003
What PELHAM BANKING COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,720,000 | 48,924,000 | 49,393,000 | 49,245,000 |
| Total loans | 21,944,000 | 21,587,000 | 23,473,000 | 20,211,000 |
| Allowance for loan losses | 189,000 | 177,000 | 180,000 | 182,000 |
| Securities available for sale | 23,206,000 | 23,200,000 | 22,216,000 | 23,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,103,000 | 40,007,000 | 40,866,000 | 41,167,000 |
| Interest-bearing deposits | 33,918,000 | 34,066,000 | 34,464,000 | 34,995,000 |
| Noninterest-bearing deposits | 6,185,000 | 5,941,000 | 6,402,000 | 6,172,000 |
| Equity capital | 7,864,000 | 7,944,000 | 7,895,000 | 7,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,367,000 | 2,045,000 | 2,708,000 |
| Interest expense | 197,000 | 387,000 | 563,000 | 732,000 |
| Net interest income | 477,000 | 980,000 | 1,482,000 | 1,976,000 |
| Noninterest income | 79,000 | 162,000 | 246,000 | 341,000 |
| Noninterest expense | 343,000 | 626,000 | 902,000 | 1,331,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 516,000 | 832,000 | 991,000 |
| Income tax | 59,000 | 147,000 | 238,000 | 278,000 |
| Net income | 154,000 | 369,000 | 594,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,346,000 | 7,328,000 | 7,553,000 | 7,139,000 |
| Total capital | 7,535,000 | 7,505,000 | 7,733,000 | 7,321,000 |
| Risk-weighted assets | 30,744,000 | 30,628,000 | 32,354,000 | 28,893,000 |
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