Call reports 2005
PINEBANK, NATIONAL ASSOCIATION — 2005
What PINEBANK, NATIONAL ASSOCIATION 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 | 441,809,000 | 425,196,000 | 395,481,000 | 411,758,000 |
| Total loans | 352,536,000 | 347,235,000 | 333,776,000 | 358,481,000 |
| Allowance for loan losses | 3,945,000 | 3,945,000 | 3,989,000 | 3,614,000 |
| Securities available for sale | 14,448,000 | 14,283,000 | 13,833,000 | 13,433,000 |
| Securities held to maturity | 8,417,000 | 8,329,000 | 8,230,000 | 10,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,361,000 | 281,421,000 | 255,256,000 | 272,283,000 |
| Interest-bearing deposits | 244,971,000 | 231,739,000 | 209,830,000 | 233,128,000 |
| Noninterest-bearing deposits | 51,390,000 | 49,682,000 | 45,426,000 | 39,155,000 |
| Equity capital | 34,253,000 | 34,861,000 | 35,173,000 | 35,421,000 |
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 | 5,452,000 | 10,870,000 | 15,997,000 | 21,654,000 |
| Interest expense | 2,109,000 | 4,513,000 | 7,052,000 | 9,860,000 |
| Net interest income | 3,343,000 | 6,357,000 | 8,945,000 | 11,794,000 |
| Noninterest income | 462,000 | 939,000 | 1,333,000 | 1,654,000 |
| Noninterest expense | 2,556,000 | 5,389,000 | 7,736,000 | 10,675,000 |
| Provision for loan losses | 0 | 0 | 0 | -375,000 |
| Pretax income | 1,249,000 | 1,907,000 | 2,542,000 | 3,148,000 |
| Income tax | 445,000 | 623,000 | 854,000 | 1,120,000 |
| Net income | 804,000 | 1,284,000 | 1,688,000 | 2,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,387,000 | 34,933,000 | 35,337,000 | 35,665,000 |
| Total capital | 50,396,000 | 50,937,000 | 51,283,000 | 51,766,000 |
| Risk-weighted assets | 193,182,000 | 192,591,000 | 188,242,000 | 200,238,000 |