Call reports 2004
FNB PICAYUNE BANK — 2004
What FNB PICAYUNE 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 | 153,168,000 | 156,733,000 | 158,924,000 | 160,941,000 |
| Total loans | 124,968,000 | 127,857,000 | 131,140,000 | 135,568,000 |
| Allowance for loan losses | 1,096,000 | 1,085,000 | 1,167,000 | 1,113,000 |
| Securities available for sale | 13,954,000 | 15,210,000 | 17,431,000 | 14,882,000 |
| Securities held to maturity | 289,000 | 289,000 | 219,000 | 219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,651,000 | 143,882,000 | 145,479,000 | 147,013,000 |
| Interest-bearing deposits | 118,531,000 | 121,071,000 | 121,370,000 | 121,909,000 |
| Noninterest-bearing deposits | 21,120,000 | 22,812,000 | 24,108,000 | 25,104,000 |
| Equity capital | 12,714,000 | 12,048,000 | 12,601,000 | 13,464,000 |
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 | 2,507,000 | 5,043,000 | 7,731,000 | 10,461,000 |
| Interest expense | 663,000 | 1,343,000 | 2,033,000 | 2,728,000 |
| Net interest income | 1,844,000 | 3,700,000 | 5,698,000 | 7,733,000 |
| Noninterest income | 447,000 | 907,000 | 1,443,000 | 1,931,000 |
| Noninterest expense | 1,085,000 | 2,247,000 | 3,239,000 | 4,657,000 |
| Provision for loan losses | 41,000 | 50,000 | 129,000 | 265,000 |
| Pretax income | 1,161,000 | 2,311,000 | 3,776,000 | 4,747,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,161,000 | 2,311,000 | 3,776,000 | 4,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,343,000 | 11,935,000 | 12,232,000 | 13,209,000 |
| Total capital | 13,439,000 | 13,020,000 | 13,399,000 | 14,322,000 |
| Risk-weighted assets | 115,079,000 | 118,334,000 | 122,415,000 | 121,903,000 |