Call reports 2004
PILGRIM BANK — 2004
What PILGRIM BANK 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 | 241,218,000 | 238,096,000 | 234,985,000 | 241,216,000 |
| Total loans | 193,054,000 | 191,069,000 | 189,470,000 | 190,865,000 |
| Allowance for loan losses | 1,739,000 | 1,896,000 | 1,954,000 | 1,852,000 |
| Securities available for sale | 29,019,000 | 27,548,000 | 26,401,000 | 29,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,911,000 | 182,469,000 | 181,663,000 | 181,094,000 |
| Interest-bearing deposits | 163,731,000 | 156,233,000 | 154,408,000 | 153,066,000 |
| Noninterest-bearing deposits | 27,180,000 | 26,236,000 | 27,255,000 | 28,028,000 |
| Equity capital | 17,627,000 | 17,207,000 | 18,106,000 | 18,662,000 |
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 | 3,438,000 | 6,921,000 | 10,353,000 | 13,500,000 |
| Interest expense | 1,145,000 | 2,258,000 | 3,337,000 | 4,455,000 |
| Net interest income | 2,293,000 | 4,663,000 | 7,016,000 | 9,045,000 |
| Noninterest income | 376,000 | 766,000 | 1,154,000 | 1,660,000 |
| Noninterest expense | 1,750,000 | 3,510,000 | 5,326,000 | 7,390,000 |
| Provision for loan losses | 262,000 | 582,000 | 612,000 | 633,000 |
| Pretax income | 769,000 | 1,489,000 | 2,391,000 | 2,816,000 |
| Income tax | 150,000 | 511,000 | 744,000 | 869,000 |
| Net income | 619,000 | 978,000 | 1,647,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,595,000 | 17,954,000 | 18,623,000 | 18,923,000 |
| Total capital | 19,334,000 | 19,850,000 | 20,577,000 | 20,775,000 |
| Risk-weighted assets | 185,055,000 | 183,768,000 | 179,107,000 | 184,040,000 |