Call reports 2005
PINELAND BANK — 2005
What PINELAND BANK 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 | 76,801,000 | 76,232,000 | 80,021,000 | 82,519,000 |
| Total loans | 54,581,000 | 56,084,000 | 54,754,000 | 54,787,000 |
| Allowance for loan losses | 1,163,000 | 1,054,000 | 1,114,000 | 825,000 |
| Securities available for sale | 8,514,000 | 8,564,000 | 9,301,000 | 9,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,759,000 | 67,083,000 | 70,553,000 | 73,045,000 |
| Interest-bearing deposits | 58,335,000 | 56,260,000 | 59,184,000 | 61,896,000 |
| Noninterest-bearing deposits | 9,424,000 | 10,823,000 | 11,369,000 | 11,149,000 |
| Equity capital | 8,528,000 | 8,737,000 | 8,977,000 | 8,751,000 |
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 | 1,111,000 | 2,296,000 | 3,585,000 | 4,814,000 |
| Interest expense | 269,000 | 572,000 | 924,000 | 1,335,000 |
| Net interest income | 842,000 | 1,724,000 | 2,661,000 | 3,479,000 |
| Noninterest income | 179,000 | 316,000 | 486,000 | 636,000 |
| Noninterest expense | 628,000 | 1,315,000 | 1,979,000 | 2,662,000 |
| Provision for loan losses | 67,000 | 135,000 | 202,000 | 340,000 |
| Pretax income | 326,000 | 590,000 | 966,000 | 1,113,000 |
| Income tax | 109,000 | 195,000 | 323,000 | 339,000 |
| Net income | 217,000 | 395,000 | 643,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,612,000 | 8,790,000 | 9,038,000 | 8,857,000 |
| Total capital | 9,394,000 | 9,577,000 | 9,816,000 | 9,643,000 |
| Risk-weighted assets | 62,191,000 | 62,660,000 | 61,891,000 | 62,859,000 |