Call reports 2003
PEPPERELL BANK AND TRUST — 2003
What PEPPERELL BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 102,363,000 | 102,032,000 | 102,217,000 | 98,517,000 |
| Total loans | 60,638,000 | 64,730,000 | 66,139,000 | 65,047,000 |
| Allowance for loan losses | 927,000 | 975,000 | 983,000 | 1,000,000 |
| Securities available for sale | 27,332,000 | 26,113,000 | 26,812,000 | 26,925,000 |
| Securities held to maturity | 4,259,000 | 4,242,000 | 4,225,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,127,000 | 87,496,000 | 85,353,000 | 79,869,000 |
| Interest-bearing deposits | 78,006,000 | 74,552,000 | 72,293,000 | 67,793,000 |
| Noninterest-bearing deposits | 11,121,000 | 12,944,000 | 13,060,000 | 12,076,000 |
| Equity capital | 5,406,000 | 5,717,000 | 5,668,000 | 6,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,552,000 | 3,839,000 | 5,107,000 |
| Interest expense | 596,000 | 1,178,000 | 1,726,000 | 2,241,000 |
| Net interest income | 687,000 | 1,374,000 | 2,113,000 | 2,866,000 |
| Noninterest income | 71,000 | 205,000 | 403,000 | 414,000 |
| Noninterest expense | 518,000 | 986,000 | 1,524,000 | 2,048,000 |
| Provision for loan losses | 60,000 | 120,000 | 157,000 | 182,000 |
| Pretax income | 255,000 | 557,000 | 920,000 | 1,108,000 |
| Income tax | 74,000 | 175,000 | 292,000 | 357,000 |
| Net income | 181,000 | 382,000 | 628,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,367,000 | 5,617,000 | 5,809,000 | 7,090,000 |
| Total capital | 6,105,000 | 6,394,000 | 6,587,000 | 7,877,000 |
| Risk-weighted assets | 58,823,000 | 61,932,000 | 62,018,000 | 62,747,000 |