Call reports 2002
PENDLETON COMMUNITY BANK, INC. — 2002
What PENDLETON COMMUNITY BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 133,387,000 | 135,854,000 | 142,833,000 | 146,001,000 |
| Total loans | 89,071,000 | 93,457,000 | 98,849,000 | 104,458,000 |
| Allowance for loan losses | 970,000 | 1,030,000 | 1,055,000 | 1,028,000 |
| Securities available for sale | 34,940,000 | 33,968,000 | 35,470,000 | 33,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,442,000 | 113,510,000 | 118,871,000 | 121,982,000 |
| Interest-bearing deposits | 101,651,000 | 103,011,000 | 107,844,000 | 110,121,000 |
| Noninterest-bearing deposits | 10,791,000 | 10,499,000 | 11,027,000 | 11,861,000 |
| Equity capital | 20,439,000 | 21,333,000 | 22,270,000 | 21,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,148,000 | 4,342,000 | 6,565,000 | 8,853,000 |
| Interest expense | 758,000 | 1,472,000 | 2,190,000 | 2,909,000 |
| Net interest income | 1,390,000 | 2,870,000 | 4,375,000 | 5,944,000 |
| Noninterest income | 68,000 | 158,000 | 257,000 | 356,000 |
| Noninterest expense | 830,000 | 1,722,000 | 2,624,000 | 3,524,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 625,000 | 1,289,000 | 1,962,000 | 2,701,000 |
| Income tax | 183,000 | 372,000 | 559,000 | 770,000 |
| Net income | 442,000 | 917,000 | 1,403,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,359,000 | 20,834,000 | 21,320,000 | 21,038,000 |
| Total capital | 21,329,000 | 21,864,000 | 22,375,000 | 22,066,000 |
| Risk-weighted assets | 89,728,000 | 92,319,000 | 96,405,000 | 101,516,000 |