Call reports 2006
PEPPERELL BANK AND TRUST — 2006
What PEPPERELL BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 96,184,000 | 93,842,000 | 95,279,000 | 100,290,000 |
| Total loans | 59,250,000 | 58,558,000 | 58,574,000 | 62,095,000 |
| Allowance for loan losses | 1,299,000 | 1,406,000 | 1,305,000 | 1,043,000 |
| Securities available for sale | 27,338,000 | 26,023,000 | 25,100,000 | 28,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,536,000 | 65,215,000 | 73,800,000 | 78,815,000 |
| Interest-bearing deposits | 54,466,000 | 53,811,000 | 62,964,000 | 69,854,000 |
| Noninterest-bearing deposits | 10,070,000 | 11,404,000 | 10,836,000 | 8,961,000 |
| Equity capital | 6,014,000 | 5,854,000 | 5,698,000 | 6,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,645,000 | 3,984,000 | 5,461,000 |
| Interest expense | 745,000 | 1,530,000 | 2,383,000 | 3,309,000 |
| Net interest income | 575,000 | 1,115,000 | 1,601,000 | 2,152,000 |
| Noninterest income | 78,000 | 152,000 | 244,000 | 217,000 |
| Noninterest expense | 999,000 | 2,124,000 | 3,109,000 | 4,409,000 |
| Provision for loan losses | 0 | 128,000 | 128,000 | -135,000 |
| Pretax income | -346,000 | -985,000 | -1,392,000 | -1,905,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -346,000 | -985,000 | -1,392,000 | -1,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,498,000 | 6,559,000 | 6,153,000 | 6,679,000 |
| Total capital | 7,324,000 | 6,994,000 | 6,937,000 | 7,511,000 |
| Risk-weighted assets | 65,610,000 | 65,300,000 | 62,188,000 | 65,946,000 |