Call reports 2006
PINELAND STATE BANK — 2006
What PINELAND STATE 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 | 65,546,000 | 67,451,000 | 67,122,000 | 71,298,000 |
| Total loans | 43,436,000 | 47,044,000 | 47,916,000 | 46,152,000 |
| Allowance for loan losses | 807,000 | 818,000 | 828,000 | 791,000 |
| Securities available for sale | 4,141,000 | 4,932,000 | 4,293,000 | 5,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,866,000 | 56,656,000 | 56,078,000 | 60,324,000 |
| Interest-bearing deposits | 48,626,000 | 50,369,000 | 50,867,000 | 54,713,000 |
| Noninterest-bearing deposits | 6,240,000 | 6,287,000 | 5,211,000 | 5,611,000 |
| Equity capital | 7,459,000 | 7,647,000 | 7,863,000 | 7,785,000 |
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 | 1,148,000 | 2,375,000 | 3,650,000 | 4,955,000 |
| Interest expense | 399,000 | 857,000 | 1,374,000 | 1,944,000 |
| Net interest income | 749,000 | 1,518,000 | 2,276,000 | 3,011,000 |
| Noninterest income | 145,000 | 316,000 | 483,000 | 642,000 |
| Noninterest expense | 596,000 | 1,205,000 | 1,801,000 | 2,452,000 |
| Provision for loan losses | 24,000 | 43,000 | 59,000 | 86,000 |
| Pretax income | 274,000 | 586,000 | 899,000 | 1,115,000 |
| Income tax | 98,000 | 209,000 | 322,000 | 385,000 |
| Net income | 176,000 | 377,000 | 577,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,749,000 | 6,996,000 | 7,242,000 | 7,175,000 |
| Total capital | 7,333,000 | 7,625,000 | 7,881,000 | 7,803,000 |
| Risk-weighted assets | 46,518,000 | 50,125,000 | 50,896,000 | 50,042,000 |