Call reports 2004
PINE ISLAND BANK — 2004
What PINE ISLAND 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 | 43,157,000 | 42,597,000 | 44,068,000 | 45,297,000 |
| Total loans | 22,946,000 | 21,806,000 | 22,134,000 | 23,859,000 |
| Allowance for loan losses | 995,000 | 819,000 | 820,000 | 793,000 |
| Securities available for sale | 9,716,000 | 11,734,000 | 12,260,000 | 12,864,000 |
| Securities held to maturity | 1,503,000 | 1,300,000 | 1,136,000 | 1,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,096,000 | 35,887,000 | 36,211,000 | 37,185,000 |
| Interest-bearing deposits | 31,145,000 | 31,942,000 | 31,437,000 | 31,917,000 |
| Noninterest-bearing deposits | 3,951,000 | 3,945,000 | 4,774,000 | 5,268,000 |
| Equity capital | 5,666,000 | 5,321,000 | 5,749,000 | 5,555,000 |
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 | 564,000 | 1,014,000 | 1,458,000 | 1,961,000 |
| Interest expense | 165,000 | 311,000 | 459,000 | 612,000 |
| Net interest income | 399,000 | 703,000 | 999,000 | 1,349,000 |
| Noninterest income | 41,000 | 112,000 | 151,000 | 185,000 |
| Noninterest expense | 269,000 | 586,000 | 867,000 | 1,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 171,000 | 229,000 | 283,000 | 336,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 171,000 | 228,000 | 282,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,498,000 | 3,555,000 | 3,609,000 | 3,520,000 |
| Total capital | 3,875,000 | 3,927,000 | 3,990,000 | 3,874,000 |
| Risk-weighted assets | 29,535,000 | 29,301,000 | 30,050,000 | 27,865,000 |
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