Call reports 2008
PELHAM BANKING COMPANY — 2008
What PELHAM BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 60,339,000 | 59,273,000 | 58,245,000 | 64,789,000 |
| Total loans | 24,454,000 | 26,330,000 | 27,228,000 | 26,012,000 |
| Allowance for loan losses | 234,000 | 225,000 | 229,000 | 240,000 |
| Securities available for sale | 28,940,000 | 27,264,000 | 26,095,000 | 27,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,894,000 | 50,279,000 | 49,176,000 | 55,398,000 |
| Interest-bearing deposits | 41,968,000 | 41,558,000 | 41,818,000 | 42,054,000 |
| Noninterest-bearing deposits | 8,926,000 | 8,721,000 | 7,358,000 | 13,344,000 |
| Equity capital | 8,929,000 | 8,421,000 | 8,602,000 | 8,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,790,000 | 2,694,000 | 3,580,000 |
| Interest expense | 352,000 | 663,000 | 942,000 | 1,223,000 |
| Net interest income | 549,000 | 1,127,000 | 1,752,000 | 2,357,000 |
| Noninterest income | 139,000 | 264,000 | 401,000 | 545,000 |
| Noninterest expense | 401,000 | 763,000 | 1,136,000 | 1,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 285,000 | 629,000 | 1,014,000 | 1,221,000 |
| Income tax | 3,000 | 7,000 | 11,000 | -3,000 |
| Net income | 282,000 | 622,000 | 1,003,000 | 1,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,344,000 | 8,579,000 | 8,855,000 | 8,491,000 |
| Total capital | 8,578,000 | 8,804,000 | 9,084,000 | 8,731,000 |
| Risk-weighted assets | 34,244,000 | 35,752,000 | 36,089,000 | 36,560,000 |
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