Call reports 2004
PINERIES BANK, THE — 2004
What PINERIES BANK, THE 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 | 38,367,000 | 40,230,000 | 40,592,000 | 43,537,000 |
| Total loans | 27,340,000 | 29,364,000 | 29,490,000 | 29,859,000 |
| Allowance for loan losses | 287,000 | 269,000 | 280,000 | 292,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,100,000 | 1,197,000 | 915,000 | 1,074,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,617,000 | 36,352,000 | 36,542,000 | 39,397,000 |
| Interest-bearing deposits | 30,431,000 | 31,159,000 | 31,309,000 | 33,433,000 |
| Noninterest-bearing deposits | 4,186,000 | 5,193,000 | 5,233,000 | 5,964,000 |
| Equity capital | 3,527,000 | 3,641,000 | 3,765,000 | 3,865,000 |
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 | 526,000 | 1,044,000 | 1,592,000 | 2,172,000 |
| Interest expense | 114,000 | 226,000 | 344,000 | 470,000 |
| Net interest income | 412,000 | 818,000 | 1,248,000 | 1,702,000 |
| Noninterest income | 74,000 | 151,000 | 233,000 | 301,000 |
| Noninterest expense | 303,000 | 597,000 | 904,000 | 1,218,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 171,000 | 348,000 | 541,000 | 737,000 |
| Income tax | 61,000 | 121,000 | 190,000 | 260,000 |
| Net income | 110,000 | 227,000 | 351,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,162,000 | 3,276,000 | 3,400,000 | 3,500,000 |
| Total capital | 3,449,000 | 3,545,000 | 3,680,000 | 3,792,000 |
| Risk-weighted assets | 23,230,000 | 24,804,000 | 25,041,000 | 26,170,000 |
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