Call reports 2004
PELHAM BANKING COMPANY — 2004
What PELHAM BANKING COMPANY 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 | 50,578,000 | 49,566,000 | 51,974,000 | 51,859,000 |
| Total loans | 22,278,000 | 21,481,000 | 21,420,000 | 18,854,000 |
| Allowance for loan losses | 184,000 | 181,000 | 178,000 | 182,000 |
| Securities available for sale | 24,244,000 | 22,864,000 | 24,761,000 | 26,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,051,000 | 41,916,000 | 43,850,000 | 43,990,000 |
| Interest-bearing deposits | 35,475,000 | 35,287,000 | 37,266,000 | 37,153,000 |
| Noninterest-bearing deposits | 6,576,000 | 6,629,000 | 6,584,000 | 6,837,000 |
| Equity capital | 7,729,000 | 7,273,000 | 7,659,000 | 7,412,000 |
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 | 659,000 | 1,303,000 | 1,936,000 | 2,595,000 |
| Interest expense | 156,000 | 306,000 | 459,000 | 619,000 |
| Net interest income | 503,000 | 997,000 | 1,477,000 | 1,976,000 |
| Noninterest income | 82,000 | 161,000 | 250,000 | 350,000 |
| Noninterest expense | 317,000 | 624,000 | 935,000 | 1,385,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 268,000 | 534,000 | 790,000 | 909,000 |
| Income tax | 79,000 | 156,000 | 230,000 | 256,000 |
| Net income | 189,000 | 378,000 | 560,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,328,000 | 7,285,000 | 7,466,000 | 7,328,000 |
| Total capital | 7,512,000 | 7,466,000 | 7,644,000 | 7,510,000 |
| Risk-weighted assets | 30,785,000 | 30,256,000 | 31,042,000 | 28,878,000 |
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