Call reports 2005
PINE ISLAND BANK — 2005
What PINE ISLAND 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 | 46,497,000 | 46,120,000 | 48,219,000 | 49,197,000 |
| Total loans | 24,506,000 | 26,752,000 | 26,982,000 | 28,359,000 |
| Allowance for loan losses | 791,000 | 813,000 | 852,000 | 854,000 |
| Securities available for sale | 12,403,000 | 12,520,000 | 12,405,000 | 12,709,000 |
| Securities held to maturity | 623,000 | 624,000 | 624,000 | 624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,977,000 | 37,744,000 | 38,980,000 | 40,016,000 |
| Interest-bearing deposits | 32,856,000 | 34,288,000 | 34,449,000 | 34,927,000 |
| Noninterest-bearing deposits | 5,121,000 | 3,456,000 | 4,531,000 | 5,089,000 |
| Equity capital | 5,441,000 | 5,077,000 | 5,149,000 | 5,112,000 |
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 | 496,000 | 1,025,000 | 1,675,000 | 2,274,000 |
| Interest expense | 169,000 | 358,000 | 566,000 | 807,000 |
| Net interest income | 327,000 | 667,000 | 1,109,000 | 1,467,000 |
| Noninterest income | 26,000 | 54,000 | 108,000 | 151,000 |
| Noninterest expense | 292,000 | 1,144,000 | 1,469,000 | 1,816,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 61,000 | -423,000 | -252,000 | -198,000 |
| Income tax | 0 | -12,000 | -11,000 | -12,000 |
| Net income | 61,000 | -411,000 | -241,000 | -186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,581,000 | 3,600,000 | 3,770,000 | 3,824,000 |
| Total capital | 3,993,000 | 4,037,000 | 4,215,000 | 4,287,000 |
| Risk-weighted assets | 32,572,000 | 34,575,000 | 35,173,000 | 36,662,000 |
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