Call reports 2011
PISGAH COMMUNITY BANK — 2011
What PISGAH COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 37,254,000 | 30,273,000 | 30,326,000 | 28,120,000 |
| Total loans | 25,493,000 | 23,691,000 | 22,236,000 | 19,753,000 |
| Allowance for loan losses | 2,362,000 | 2,163,000 | 1,932,000 | 1,925,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,118,000 | 29,448,000 | 29,643,000 | 27,437,000 |
| Interest-bearing deposits | 34,806,000 | 28,410,000 | 27,996,000 | 26,155,000 |
| Noninterest-bearing deposits | 1,312,000 | 1,038,000 | 1,647,000 | 1,282,000 |
| Equity capital | 1,017,000 | 702,000 | 595,000 | 615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 342,000 | 605,000 | 890,000 | 1,136,000 |
| Interest expense | 153,000 | 272,000 | 376,000 | 475,000 |
| Net interest income | 189,000 | 333,000 | 514,000 | 661,000 |
| Noninterest income | -351,000 | -506,000 | -539,000 | -592,000 |
| Noninterest expense | 551,000 | 1,089,000 | 1,592,000 | 2,116,000 |
| Provision for loan losses | 922,000 | 988,000 | 990,000 | 990,000 |
| Pretax income | -1,635,000 | -2,250,000 | -2,607,000 | -3,037,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,635,000 | -2,250,000 | -2,607,000 | -3,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,017,000 | 702,000 | 595,000 | 615,000 |
| Total capital | 1,393,000 | 1,031,000 | 908,000 | 898,000 |
| Risk-weighted assets | 28,072,000 | 24,515,000 | 23,396,000 | 20,987,000 |