Call reports 2006
PINEHURST BANK — 2006
What PINEHURST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,169,000 | 36,480,000 | 41,730,000 | 46,754,000 |
| Total loans | 23,869,000 | 29,500,000 | 32,561,000 | 37,953,000 |
| Allowance for loan losses | 309,000 | 354,000 | 391,000 | 455,000 |
| Securities available for sale | 3,588,000 | 3,595,000 | 3,610,000 | 3,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,623,000 | 31,011,000 | 36,203,000 | 37,194,000 |
| Interest-bearing deposits | 24,884,000 | 29,635,000 | 34,533,000 | 35,355,000 |
| Noninterest-bearing deposits | 1,739,000 | 1,375,000 | 1,670,000 | 1,839,000 |
| Equity capital | 5,323,000 | 5,207,000 | 5,170,000 | 6,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,138,000 | 1,862,000 | 2,683,000 |
| Interest expense | 247,000 | 541,000 | 905,000 | 1,328,000 |
| Net interest income | 298,000 | 597,000 | 957,000 | 1,355,000 |
| Noninterest income | 5,000 | 10,000 | 19,000 | 26,000 |
| Noninterest expense | 340,000 | 712,000 | 1,086,000 | 1,494,000 |
| Provision for loan losses | 0 | 45,000 | 81,000 | 146,000 |
| Pretax income | -37,000 | -150,000 | -191,000 | -259,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -37,000 | -150,000 | -191,000 | -259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,321,000 | 5,201,000 | 5,171,000 | 6,763,000 |
| Total capital | 5,630,000 | 5,555,000 | 5,562,000 | 7,218,000 |
| Risk-weighted assets | 24,924,000 | 30,128,000 | 34,396,000 | 39,783,000 |