Call reports 2005
PITNEY BOWES BANK INC., THE — 2005
What PITNEY BOWES BANK INC., THE 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 | 561,115,000 | 580,953,000 | 574,559,000 | 596,622,000 |
| Total loans | 354,814,000 | 360,174,000 | 364,375,000 | 382,719,000 |
| Allowance for loan losses | 19,880,000 | 19,855,000 | 19,314,000 | 20,021,000 |
| Securities available for sale | 173,507,000 | 185,298,000 | 177,962,000 | 177,758,000 |
| Securities held to maturity | 3,182,000 | 3,181,000 | 3,067,000 | 3,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,960,000 | 477,377,000 | 473,030,000 | 486,132,000 |
| Interest-bearing deposits | 412,824,000 | 429,325,000 | 423,341,000 | 453,152,000 |
| Noninterest-bearing deposits | 49,136,000 | 48,052,000 | 49,690,000 | 32,980,000 |
| Equity capital | 42,769,000 | 41,383,000 | 41,417,000 | 43,827,000 |
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 | 31,574,000 | 61,262,000 | 92,109,000 | 123,314,000 |
| Interest expense | 998,000 | 2,105,000 | 3,299,000 | 4,269,000 |
| Net interest income | 30,576,000 | 59,157,000 | 88,810,000 | 119,045,000 |
| Noninterest income | 4,855,000 | 9,780,000 | 15,933,000 | 23,831,000 |
| Noninterest expense | 652,000 | 991,000 | 1,321,000 | 1,696,000 |
| Provision for loan losses | 5,204,000 | 8,604,000 | 11,201,000 | 14,651,000 |
| Pretax income | 29,575,000 | 59,342,000 | 92,221,000 | 126,529,000 |
| Income tax | 10,928,000 | 21,925,000 | 34,078,000 | 46,759,000 |
| Net income | 18,647,000 | 37,417,000 | 58,143,000 | 79,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,769,000 | 41,383,000 | 41,417,000 | 43,827,000 |
| Total capital | 47,907,000 | 46,636,000 | 46,669,000 | 49,330,000 |
| Risk-weighted assets | 396,333,000 | 405,671,000 | 406,100,000 | 425,690,000 |