Call reports 2009
PISGAH COMMUNITY BANK — 2009
What PISGAH COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 44,718,000 | 51,983,000 | 58,705,000 | 62,773,000 |
| Total loans | 36,120,000 | 43,956,000 | 45,729,000 | 45,094,000 |
| Allowance for loan losses | 570,000 | 715,000 | 918,000 | 1,168,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,158,000 | 44,455,000 | 52,143,000 | 56,455,000 |
| Interest-bearing deposits | 35,934,000 | 42,726,000 | 50,023,000 | 54,557,000 |
| Noninterest-bearing deposits | 1,224,000 | 1,729,000 | 2,120,000 | 1,898,000 |
| Equity capital | 7,517,000 | 7,438,000 | 6,494,000 | 6,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 994,000 | 1,643,000 | 2,364,000 |
| Interest expense | 192,000 | 414,000 | 661,000 | 944,000 |
| Net interest income | 240,000 | 580,000 | 982,000 | 1,420,000 |
| Noninterest income | 12,000 | 65,000 | 95,000 | 114,000 |
| Noninterest expense | 322,000 | 699,000 | 1,093,000 | 1,528,000 |
| Provision for loan losses | 195,000 | 340,000 | 593,000 | 846,000 |
| Pretax income | -265,000 | -394,000 | -609,000 | -840,000 |
| Income tax | -102,000 | -152,000 | 577,000 | 577,000 |
| Net income | -163,000 | -242,000 | -1,186,000 | -1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,837,000 | 6,774,000 | 6,494,000 | 6,263,000 |
| Total capital | 7,293,000 | 7,311,000 | 7,056,000 | 6,815,000 |
| Risk-weighted assets | 36,386,000 | 42,815,000 | 44,590,000 | 43,525,000 |