Call reports 2005
PILGRIM BANK — 2005
What PILGRIM BANK 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 | 229,973,000 | 232,815,000 | 221,045,000 | 215,531,000 |
| Total loans | 184,225,000 | 181,060,000 | 170,484,000 | 156,906,000 |
| Allowance for loan losses | 2,013,000 | 3,021,000 | 2,369,000 | 2,294,000 |
| Securities available for sale | 27,781,000 | 30,123,000 | 24,698,000 | 37,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,069,000 | 180,338,000 | 178,797,000 | 182,143,000 |
| Interest-bearing deposits | 148,827,000 | 156,357,000 | 154,745,000 | 157,307,000 |
| Noninterest-bearing deposits | 24,242,000 | 23,981,000 | 24,052,000 | 24,836,000 |
| Equity capital | 18,904,000 | 18,468,000 | 18,702,000 | 18,964,000 |
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 | 3,311,000 | 6,703,000 | 10,122,000 | 13,451,000 |
| Interest expense | 1,161,000 | 2,479,000 | 3,872,000 | 5,281,000 |
| Net interest income | 2,150,000 | 4,224,000 | 6,250,000 | 8,170,000 |
| Noninterest income | 381,000 | 752,000 | 1,260,000 | 1,691,000 |
| Noninterest expense | 1,958,000 | 3,797,000 | 5,475,000 | 7,215,000 |
| Provision for loan losses | 198,000 | 1,701,000 | 1,701,000 | 1,701,000 |
| Pretax income | 384,000 | -844,000 | -61,000 | 500,000 |
| Income tax | 54,000 | -403,000 | -21,000 | 77,000 |
| Net income | 330,000 | -441,000 | -40,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,253,000 | 18,482,000 | 18,883,000 | 19,346,000 |
| Total capital | 21,266,000 | 20,675,000 | 20,926,000 | 21,264,000 |
| Risk-weighted assets | 177,388,000 | 174,624,000 | 163,141,000 | 153,056,000 |