Call reports 2005
FNB PICAYUNE BANK — 2005
What FNB PICAYUNE 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 | 158,129,000 | 160,640,000 | 182,171,000 | 219,464,000 |
| Total loans | 135,248,000 | 136,104,000 | 139,754,000 | 139,116,000 |
| Allowance for loan losses | 1,151,000 | 1,113,000 | 1,113,000 | 1,133,000 |
| Securities available for sale | 11,204,000 | 13,592,000 | 13,343,000 | 38,964,000 |
| Securities held to maturity | 219,000 | 219,000 | 219,000 | 219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,286,000 | 147,014,000 | 168,254,000 | 203,416,000 |
| Interest-bearing deposits | 120,473,000 | 121,467,000 | 130,449,000 | 152,689,000 |
| Noninterest-bearing deposits | 23,813,000 | 25,547,000 | 37,806,000 | 50,728,000 |
| Equity capital | 13,336,000 | 13,184,000 | 13,407,000 | 15,495,000 |
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 | 2,697,000 | 5,439,000 | 8,361,000 | 11,783,000 |
| Interest expense | 706,000 | 1,489,000 | 2,315,000 | 3,227,000 |
| Net interest income | 1,991,000 | 3,950,000 | 6,046,000 | 8,556,000 |
| Noninterest income | 494,000 | 979,000 | 1,374,000 | 1,704,000 |
| Noninterest expense | 1,134,000 | 2,253,000 | 3,389,000 | 4,821,000 |
| Provision for loan losses | 26,000 | 179,000 | 196,000 | 220,000 |
| Pretax income | 1,318,000 | 2,490,000 | 3,828,000 | 5,212,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,318,000 | 2,490,000 | 3,828,000 | 5,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,232,000 | 12,858,000 | 13,197,000 | 15,354,000 |
| Total capital | 14,383,000 | 13,971,000 | 14,310,000 | 16,487,000 |
| Risk-weighted assets | 120,636,000 | 121,886,000 | 128,041,000 | 139,404,000 |