Call reports 2003
PILGRIM BANK — 2003
What PILGRIM BANK 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 | 236,802,000 | 230,826,000 | 230,629,000 | 241,783,000 |
| Total loans | 183,778,000 | 179,968,000 | 181,371,000 | 187,143,000 |
| Allowance for loan losses | 1,844,000 | 1,757,000 | 1,641,000 | 1,613,000 |
| Securities available for sale | 33,793,000 | 29,404,000 | 29,283,000 | 29,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,736,000 | 186,214,000 | 186,792,000 | 187,300,000 |
| Interest-bearing deposits | 168,877,000 | 165,597,000 | 162,570,000 | 160,278,000 |
| Noninterest-bearing deposits | 20,859,000 | 20,617,000 | 24,222,000 | 27,022,000 |
| Equity capital | 15,977,000 | 16,800,000 | 16,646,000 | 17,165,000 |
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 | 3,689,000 | 7,305,000 | 10,869,000 | 14,360,000 |
| Interest expense | 1,584,000 | 3,029,000 | 4,333,000 | 5,536,000 |
| Net interest income | 2,105,000 | 4,276,000 | 6,536,000 | 8,824,000 |
| Noninterest income | 276,000 | 525,000 | 801,000 | 1,173,000 |
| Noninterest expense | 1,830,000 | 3,554,000 | 5,323,000 | 7,101,000 |
| Provision for loan losses | 150,000 | 545,000 | 925,000 | 1,120,000 |
| Pretax income | 466,000 | 920,000 | 1,414,000 | 2,101,000 |
| Income tax | 73,000 | 197,000 | 414,000 | 727,000 |
| Net income | 393,000 | 723,000 | 1,000,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,994,000 | 16,325,000 | 16,602,000 | 16,976,000 |
| Total capital | 17,838,000 | 18,082,000 | 18,243,000 | 18,589,000 |
| Risk-weighted assets | 184,941,000 | 177,069,000 | 178,165,000 | 184,084,000 |