Call reports 2005
PLEASANTS COUNTY BANK, THE — 2005
What PLEASANTS COUNTY BANK, 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 | 49,461,000 | 47,639,000 | 48,408,000 | 47,695,000 |
| Total loans | 24,989,000 | 26,524,000 | 25,948,000 | 27,406,000 |
| Allowance for loan losses | 303,000 | 292,000 | 256,000 | 296,000 |
| Securities available for sale | 16,660,000 | 16,774,000 | 15,242,000 | 14,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,348,000 | 41,484,000 | 42,061,000 | 41,496,000 |
| Interest-bearing deposits | 27,066,000 | 33,094,000 | 33,233,000 | 32,439,000 |
| Noninterest-bearing deposits | 16,282,000 | 8,390,000 | 8,828,000 | 9,057,000 |
| Equity capital | 6,017,000 | 6,085,000 | 6,111,000 | 6,029,000 |
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 | 597,000 | 1,191,000 | 1,801,000 | 2,427,000 |
| Interest expense | 113,000 | 240,000 | 385,000 | 535,000 |
| Net interest income | 484,000 | 951,000 | 1,416,000 | 1,892,000 |
| Noninterest income | 48,000 | 91,000 | 138,000 | 187,000 |
| Noninterest expense | 358,000 | 730,000 | 1,114,000 | 1,537,000 |
| Provision for loan losses | 15,000 | 49,000 | 71,000 | 123,000 |
| Pretax income | 155,000 | 259,000 | 365,000 | 415,000 |
| Income tax | 52,000 | 86,000 | 105,000 | 117,000 |
| Net income | 103,000 | 173,000 | 260,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,231,000 | 6,226,000 | 6,274,000 | 6,191,000 |
| Total capital | 6,534,000 | 6,518,000 | 6,530,000 | 6,487,000 |
| Risk-weighted assets | 27,872,000 | 28,504,000 | 28,663,000 | 29,663,000 |