Call reports 2009
PELHAM BANKING COMPANY — 2009
What PELHAM BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 61,439,000 | 59,051,000 | 59,816,000 | 58,012,000 |
| Total loans | 27,407,000 | 30,831,000 | 33,344,000 | 27,115,000 |
| Allowance for loan losses | 228,000 | 235,000 | 231,000 | 254,000 |
| Securities available for sale | 25,100,000 | 23,348,000 | 21,221,000 | 19,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,090,000 | 49,751,000 | 47,472,000 | 48,468,000 |
| Interest-bearing deposits | 44,398,000 | 42,180,000 | 40,326,000 | 40,347,000 |
| Noninterest-bearing deposits | 7,692,000 | 7,571,000 | 7,146,000 | 8,121,000 |
| Equity capital | 8,932,000 | 8,873,000 | 9,323,000 | 9,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,691,000 | 2,516,000 | 3,323,000 |
| Interest expense | 260,000 | 511,000 | 741,000 | 944,000 |
| Net interest income | 580,000 | 1,180,000 | 1,775,000 | 2,379,000 |
| Noninterest income | 126,000 | 156,000 | 270,000 | 405,000 |
| Noninterest expense | 438,000 | 866,000 | 1,275,000 | 1,801,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 35,000 |
| Pretax income | 268,000 | 461,000 | 816,000 | 1,009,000 |
| Income tax | 1,000 | 4,000 | 7,000 | -3,000 |
| Net income | 267,000 | 457,000 | 809,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,652,000 | 8,738,000 | 8,985,000 | 8,838,000 |
| Total capital | 8,880,000 | 8,973,000 | 9,216,000 | 9,092,000 |
| Risk-weighted assets | 36,783,000 | 38,953,000 | 41,173,000 | 36,115,000 |
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