Call reports 2001
PEPPERELL BANK AND TRUST — 2001
What PEPPERELL BANK AND TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 55,839,000 | 55,093,000 | 54,653,000 | 52,901,000 |
| Total loans | 46,065,000 | 44,659,000 | 44,424,000 | 42,214,000 |
| Allowance for loan losses | 605,000 | 649,000 | 674,000 | 705,000 |
| Securities available for sale | 4,274,000 | 3,974,000 | 2,834,000 | 3,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,326,000 | 43,683,000 | 45,772,000 | 45,160,000 |
| Interest-bearing deposits | 34,342,000 | 33,932,000 | 35,695,000 | 34,874,000 |
| Noninterest-bearing deposits | 9,984,000 | 9,751,000 | 10,077,000 | 10,286,000 |
| Equity capital | 3,433,000 | 3,457,000 | 3,498,000 | 3,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,089,000 | 2,150,000 | 3,159,000 | 4,096,000 |
| Interest expense | 535,000 | 1,051,000 | 1,515,000 | 1,925,000 |
| Net interest income | 554,000 | 1,099,000 | 1,644,000 | 2,171,000 |
| Noninterest income | 60,000 | 112,000 | 155,000 | 212,000 |
| Noninterest expense | 499,000 | 989,000 | 1,475,000 | 1,971,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 85,000 | 162,000 | 234,000 | 302,000 |
| Income tax | 30,000 | 58,000 | 83,000 | 108,000 |
| Net income | 55,000 | 104,000 | 151,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,421,000 | 3,445,000 | 3,463,000 | 3,496,000 |
| Total capital | 3,907,000 | 3,928,000 | 3,938,000 | 3,946,000 |
| Risk-weighted assets | 38,724,000 | 38,721,000 | 37,817,000 | 35,758,000 |