Call reports 2007
PEPPERELL BANK AND TRUST — 2007
What PEPPERELL BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Total assets | 102,938,000 | 99,699,000 |
| Total loans | 61,307,000 | 61,617,000 |
| Allowance for loan losses | 1,047,000 | 1,190,000 |
| Securities available for sale | 32,305,000 | 29,257,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 87,746,000 | 87,448,000 |
| Interest-bearing deposits | 78,467,000 | 77,636,000 |
| Noninterest-bearing deposits | 9,279,000 | 9,812,000 |
| Equity capital | 5,745,000 | 4,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Interest income | 1,506,000 | 3,021,000 |
| Interest expense | 1,016,000 | 2,069,000 |
| Net interest income | 490,000 | 952,000 |
| Noninterest income | 64,000 | 112,000 |
| Noninterest expense | 1,195,000 | 2,312,000 |
| Provision for loan losses | 0 | 70,000 |
| Pretax income | -641,000 | -1,318,000 |
| Income tax | 0 | 0 |
| Net income | -641,000 | -1,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 6,039,000 | 5,372,000 |
| Total capital | 6,871,000 | 6,195,000 |
| Risk-weighted assets | 67,833,000 | 67,810,000 |