Call reports 2004
PINEHURST BANK — 2004
What PINEHURST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Total assets | 10,516,000 | 10,776,000 | 11,552,000 |
| Total loans | 3,737,000 | 4,721,000 | 9,305,000 |
| Allowance for loan losses | 45,000 | 63,000 | 111,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 3,562,000 | 4,277,000 | 5,177,000 |
| Interest-bearing deposits | 2,992,000 | 2,848,000 | 3,688,000 |
| Noninterest-bearing deposits | 570,000 | 1,429,000 | 1,489,000 |
| Equity capital | 6,699,000 | 6,458,000 | 6,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Interest income | 47,000 | 147,000 | 273,000 |
| Interest expense | 1,000 | 9,000 | 21,000 |
| Net interest income | 46,000 | 138,000 | 252,000 |
| Noninterest income | 1,000 | 4,000 | 9,000 |
| Noninterest expense | 302,000 | 621,000 | 1,008,000 |
| Provision for loan losses | 45,000 | 63,000 | 111,000 |
| Pretax income | -300,000 | -542,000 | -858,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -300,000 | -542,000 | -858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|
| Tier 1 capital | 6,699,000 | 6,458,000 | 6,145,000 |
| Total capital | 6,744,000 | 6,521,000 | 6,256,000 |
| Risk-weighted assets | 4,639,000 | 5,606,000 | 9,832,000 |