Call reports 2009
PLEASANTS COUNTY BANK, THE — 2009
What PLEASANTS COUNTY BANK, THE 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 | 54,635,000 | 54,107,000 | 53,493,000 | 54,950,000 |
| Total loans | 33,859,000 | 33,346,000 | 33,644,000 | 33,508,000 |
| Allowance for loan losses | 393,000 | 379,000 | 377,000 | 387,000 |
| Securities available for sale | 13,075,000 | 9,082,000 | 13,089,000 | 14,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,862,000 | 47,395,000 | 46,734,000 | 48,266,000 |
| Interest-bearing deposits | 32,263,000 | 32,454,000 | 32,449,000 | 32,766,000 |
| Noninterest-bearing deposits | 15,599,000 | 14,941,000 | 14,285,000 | 15,500,000 |
| Equity capital | 6,446,000 | 6,426,000 | 6,473,000 | 6,399,000 |
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 | 726,000 | 1,444,000 | 2,158,000 | 2,849,000 |
| Interest expense | 186,000 | 364,000 | 535,000 | 683,000 |
| Net interest income | 540,000 | 1,080,000 | 1,623,000 | 2,166,000 |
| Noninterest income | 58,000 | 119,000 | 180,000 | 240,000 |
| Noninterest expense | 434,000 | 871,000 | 1,334,000 | 1,824,000 |
| Provision for loan losses | 13,000 | 143,000 | 143,000 | 163,000 |
| Pretax income | 151,000 | 185,000 | 326,000 | 419,000 |
| Income tax | 58,000 | 70,000 | 122,000 | 163,000 |
| Net income | 93,000 | 115,000 | 204,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,427,000 | 6,400,000 | 6,439,000 | 6,365,000 |
| Total capital | 6,820,000 | 6,779,000 | 6,816,000 | 6,752,000 |
| Risk-weighted assets | 34,424,000 | 34,411,000 | 34,178,000 | 34,571,000 |