Call reports 2007
PELHAM BANKING COMPANY — 2007
What PELHAM BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 56,116,000 | 57,378,000 | 57,718,000 | 58,298,000 |
| Total loans | 22,847,000 | 24,637,000 | 25,082,000 | 23,746,000 |
| Allowance for loan losses | 209,000 | 209,000 | 209,000 | 234,000 |
| Securities available for sale | 23,823,000 | 23,355,000 | 25,709,000 | 27,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,871,000 | 48,954,000 | 48,754,000 | 49,404,000 |
| Interest-bearing deposits | 40,199,000 | 41,586,000 | 41,656,000 | 41,496,000 |
| Noninterest-bearing deposits | 7,672,000 | 7,368,000 | 7,098,000 | 7,908,000 |
| Equity capital | 7,732,000 | 7,807,000 | 8,222,000 | 8,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,731,000 | 2,640,000 | 3,562,000 |
| Interest expense | 341,000 | 722,000 | 1,118,000 | 1,501,000 |
| Net interest income | 504,000 | 1,009,000 | 1,522,000 | 2,061,000 |
| Noninterest income | 126,000 | 239,000 | 366,000 | 521,000 |
| Noninterest expense | 368,000 | 699,000 | 1,046,000 | 1,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 262,000 | 549,000 | 842,000 | 1,028,000 |
| Income tax | 3,000 | 8,000 | 11,000 | 2,000 |
| Net income | 259,000 | 541,000 | 831,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,974,000 | 8,151,000 | 8,337,000 | 8,167,000 |
| Total capital | 8,183,000 | 8,360,000 | 8,546,000 | 8,401,000 |
| Risk-weighted assets | 30,374,000 | 32,176,000 | 32,625,000 | 32,885,000 |
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