Call reports 2002
PEPPERELL BANK AND TRUST — 2002
What PEPPERELL BANK AND TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 54,580,000 | 67,187,000 | 80,803,000 | 96,889,000 |
| Total loans | 42,405,000 | 43,850,000 | 46,731,000 | 55,782,000 |
| Allowance for loan losses | 720,000 | 765,000 | 806,000 | 867,000 |
| Securities available for sale | 6,459,000 | 14,767,000 | 27,830,000 | 30,773,000 |
| Securities held to maturity | 0 | 0 | 250,000 | 4,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,436,000 | 55,207,000 | 68,926,000 | 84,794,000 |
| Interest-bearing deposits | 34,512,000 | 44,979,000 | 57,506,000 | 71,968,000 |
| Noninterest-bearing deposits | 9,924,000 | 10,228,000 | 11,420,000 | 12,826,000 |
| Equity capital | 3,469,000 | 4,526,000 | 4,658,000 | 5,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,729,000 | 2,823,000 | 4,057,000 |
| Interest expense | 354,000 | 707,000 | 1,169,000 | 1,733,000 |
| Net interest income | 489,000 | 1,022,000 | 1,654,000 | 2,324,000 |
| Noninterest income | 59,000 | 104,000 | 168,000 | 308,000 |
| Noninterest expense | 486,000 | 971,000 | 1,455,000 | 1,956,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 200,000 |
| Pretax income | 19,000 | 85,000 | 335,000 | 623,000 |
| Income tax | 1,000 | 27,000 | 113,000 | 160,000 |
| Net income | 18,000 | 58,000 | 222,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,503,000 | 4,542,000 | 4,674,000 | 5,085,000 |
| Total capital | 3,959,000 | 5,056,000 | 5,244,000 | 5,766,000 |
| Risk-weighted assets | 36,294,000 | 40,532,000 | 45,362,000 | 54,416,000 |