Call reports 2009
PINEHURST BANK — 2009
What PINEHURST BANK 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 | 66,375,000 | 64,547,000 | 65,686,000 | 65,859,000 |
| Total loans | 61,813,000 | 61,830,000 | 60,312,000 | 59,046,000 |
| Allowance for loan losses | 1,299,000 | 1,408,000 | 3,055,000 | 4,396,000 |
| Securities available for sale | 0 | 0 | 0 | 1,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,589,000 | 48,967,000 | 52,827,000 | 58,906,000 |
| Interest-bearing deposits | 45,709,000 | 45,589,000 | 49,614,000 | 55,785,000 |
| Noninterest-bearing deposits | 3,880,000 | 3,378,000 | 3,213,000 | 3,121,000 |
| Equity capital | 5,990,000 | 5,852,000 | 3,240,000 | 755,000 |
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 | 981,000 | 1,908,000 | 2,872,000 | 3,828,000 |
| Interest expense | 417,000 | 830,000 | 1,216,000 | 1,605,000 |
| Net interest income | 564,000 | 1,078,000 | 1,656,000 | 2,223,000 |
| Noninterest income | 26,000 | 57,000 | 86,000 | 108,000 |
| Noninterest expense | 492,000 | 1,057,000 | 1,572,000 | 2,116,000 |
| Provision for loan losses | 75,000 | 203,000 | 2,918,000 | 5,459,000 |
| Pretax income | 23,000 | -125,000 | -2,748,000 | -5,244,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 23,000 | -126,000 | -2,749,000 | -5,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,990,000 | 5,852,000 | 3,240,000 | 755,000 |
| Total capital | 6,724,000 | 6,601,000 | 3,991,000 | 1,483,000 |
| Risk-weighted assets | 59,262,000 | 59,272,000 | 57,050,000 | 54,509,000 |