Call reports 2003
PENDLETON COMMUNITY BANK, INC. — 2003
What PENDLETON COMMUNITY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 151,763,000 | 156,698,000 | 161,507,000 | 157,766,000 |
| Total loans | 105,820,000 | 108,553,000 | 108,937,000 | 111,567,000 |
| Allowance for loan losses | 1,052,000 | 1,041,000 | 1,054,000 | 1,051,000 |
| Securities available for sale | 34,455,000 | 34,706,000 | 36,240,000 | 36,858,000 |
| Securities held to maturity | 0 | 0 | 1,000,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,640,000 | 127,936,000 | 132,944,000 | 128,634,000 |
| Interest-bearing deposits | 113,551,000 | 115,522,000 | 118,205,000 | 113,447,000 |
| Noninterest-bearing deposits | 13,089,000 | 12,414,000 | 14,740,000 | 15,187,000 |
| Equity capital | 22,310,000 | 23,053,000 | 23,238,000 | 22,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,222,000 | 4,525,000 | 6,827,000 | 9,143,000 |
| Interest expense | 665,000 | 1,323,000 | 1,948,000 | 2,514,000 |
| Net interest income | 1,557,000 | 3,202,000 | 4,879,000 | 6,629,000 |
| Noninterest income | 90,000 | 209,000 | 310,000 | 425,000 |
| Noninterest expense | 926,000 | 1,892,000 | 2,781,000 | 3,698,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 693,000 | 1,463,000 | 2,325,000 | 3,243,000 |
| Income tax | 198,000 | 430,000 | 678,000 | 953,000 |
| Net income | 495,000 | 1,033,000 | 1,647,000 | 2,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,437,000 | 21,974,000 | 22,589,000 | 22,332,000 |
| Total capital | 22,489,000 | 23,015,000 | 23,643,000 | 23,383,000 |
| Risk-weighted assets | 102,122,000 | 104,889,000 | 104,639,000 | 104,866,000 |