Call reports 2004
PLEASANTS COUNTY BANK, THE — 2004
What PLEASANTS COUNTY 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 | 48,734,000 | 46,864,000 | 47,270,000 | 46,624,000 |
| Total loans | 23,154,000 | 25,503,000 | 25,945,000 | 24,993,000 |
| Allowance for loan losses | 307,000 | 310,000 | 320,000 | 297,000 |
| Securities available for sale | 15,813,000 | 17,723,000 | 17,387,000 | 17,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,401,000 | 40,748,000 | 41,038,000 | 40,034,000 |
| Interest-bearing deposits | 35,443,000 | 33,344,000 | 33,937,000 | 32,409,000 |
| Noninterest-bearing deposits | 6,958,000 | 7,404,000 | 7,101,000 | 7,625,000 |
| Equity capital | 6,237,000 | 6,048,000 | 6,158,000 | 6,064,000 |
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 | 605,000 | 1,216,000 | 1,844,000 | 2,455,000 |
| Interest expense | 115,000 | 224,000 | 333,000 | 440,000 |
| Net interest income | 490,000 | 992,000 | 1,511,000 | 2,015,000 |
| Noninterest income | 25,000 | 48,000 | 72,000 | 100,000 |
| Noninterest expense | 350,000 | 714,000 | 1,065,000 | 1,453,000 |
| Provision for loan losses | 0 | 11,000 | 20,000 | 40,000 |
| Pretax income | 165,000 | 312,000 | 494,000 | 618,000 |
| Income tax | 66,000 | 122,000 | 190,000 | 212,000 |
| Net income | 99,000 | 190,000 | 304,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,196,000 | 5,868,000 | 6,035,000 | 5,925,000 |
| Total capital | 6,503,000 | 6,178,000 | 6,355,000 | 6,222,000 |
| Risk-weighted assets | 25,569,000 | 26,905,000 | 26,958,000 | 27,023,000 |