Call reports 2005
PEPPERELL BANK AND TRUST — 2005
What PEPPERELL BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,319,000 | 82,380,000 | 79,097,000 | 92,388,000 |
| Total loans | 51,729,000 | 48,953,000 | 48,181,000 | 56,108,000 |
| Allowance for loan losses | 1,360,000 | 1,356,000 | 1,274,000 | 1,275,000 |
| Securities available for sale | 22,896,000 | 24,233,000 | 23,128,000 | 28,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,693,000 | 68,249,000 | 65,498,000 | 61,979,000 |
| Interest-bearing deposits | 54,124,000 | 52,986,000 | 50,412,000 | 49,205,000 |
| Noninterest-bearing deposits | 14,569,000 | 15,263,000 | 15,086,000 | 12,774,000 |
| Equity capital | 6,314,000 | 6,228,000 | 6,079,000 | 5,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,155,000 | 2,200,000 | 3,278,000 | 4,338,000 |
| Interest expense | 419,000 | 841,000 | 1,295,000 | 1,807,000 |
| Net interest income | 736,000 | 1,359,000 | 1,983,000 | 2,531,000 |
| Noninterest income | 55,000 | 236,000 | 493,000 | 464,000 |
| Noninterest expense | 887,000 | 1,829,000 | 2,882,000 | 3,939,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -96,000 | -234,000 | -406,000 | -944,000 |
| Income tax | 0 | 0 | 0 | 126,000 |
| Net income | -96,000 | -234,000 | -406,000 | -1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,727,000 | 6,544,000 | 6,403,000 | 5,915,000 |
| Total capital | 7,433,000 | 7,237,000 | 7,075,000 | 6,702,000 |
| Risk-weighted assets | 55,837,000 | 54,736,000 | 53,252,000 | 62,532,000 |