Call reports 2004
PEPPERELL BANK AND TRUST — 2004
What PEPPERELL BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 96,577,000 | 100,822,000 | 93,520,000 | 89,242,000 |
| Total loans | 65,389,000 | 61,097,000 | 60,491,000 | 57,037,000 |
| Allowance for loan losses | 1,037,000 | 1,127,000 | 1,672,000 | 1,292,000 |
| Securities available for sale | 24,805,000 | 32,874,000 | 25,936,000 | 24,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,539,000 | 77,856,000 | 75,638,000 | 70,627,000 |
| Interest-bearing deposits | 66,772,000 | 65,693,000 | 62,737,000 | 58,380,000 |
| Noninterest-bearing deposits | 11,767,000 | 12,163,000 | 12,901,000 | 12,247,000 |
| Equity capital | 7,110,000 | 6,337,000 | 6,419,000 | 6,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,188,000 | 2,365,000 | 3,549,000 | 4,720,000 |
| Interest expense | 481,000 | 956,000 | 1,420,000 | 1,872,000 |
| Net interest income | 707,000 | 1,409,000 | 2,129,000 | 2,848,000 |
| Noninterest income | 135,000 | 176,000 | 402,000 | 579,000 |
| Noninterest expense | 610,000 | 1,306,000 | 2,064,000 | 2,941,000 |
| Provision for loan losses | 69,000 | 176,000 | 724,000 | 437,000 |
| Pretax income | 163,000 | 103,000 | -256,000 | 35,000 |
| Income tax | 62,000 | 62,000 | 62,000 | -18,000 |
| Net income | 101,000 | 41,000 | -318,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,146,000 | 7,032,000 | 6,660,000 | 6,958,000 |
| Total capital | 8,048,000 | 7,809,000 | 7,418,000 | 7,776,000 |
| Risk-weighted assets | 71,989,000 | 61,808,000 | 59,651,000 | 64,783,000 |