Call reports 2004
PENDLETON COMMUNITY BANK, INC. — 2004
What PENDLETON COMMUNITY BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 157,239,000 | 157,639,000 | 167,251,000 | 162,316,000 |
| Total loans | 113,545,000 | 117,750,000 | 120,487,000 | 118,323,000 |
| Allowance for loan losses | 1,050,000 | 1,038,000 | 1,075,000 | 1,094,000 |
| Securities available for sale | 33,678,000 | 31,606,000 | 30,999,000 | 33,048,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,183,000 | 127,288,000 | 136,936,000 | 131,580,000 |
| Interest-bearing deposits | 112,126,000 | 112,693,000 | 119,391,000 | 115,230,000 |
| Noninterest-bearing deposits | 15,057,000 | 14,595,000 | 17,545,000 | 16,350,000 |
| Equity capital | 23,624,000 | 23,510,000 | 24,521,000 | 24,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,282,000 | 4,552,000 | 6,914,000 | 9,323,000 |
| Interest expense | 525,000 | 1,037,000 | 1,562,000 | 2,128,000 |
| Net interest income | 1,757,000 | 3,515,000 | 5,352,000 | 7,195,000 |
| Noninterest income | 95,000 | 202,000 | 330,000 | 456,000 |
| Noninterest expense | 1,014,000 | 2,023,000 | 3,026,000 | 4,057,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 183,000 |
| Pretax income | 803,000 | 1,650,000 | 2,568,000 | 3,463,000 |
| Income tax | 238,000 | 486,000 | 763,000 | 1,028,000 |
| Net income | 565,000 | 1,164,000 | 1,805,000 | 2,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,897,000 | 23,496,000 | 24,107,000 | 23,750,000 |
| Total capital | 23,947,000 | 24,534,000 | 25,182,000 | 24,844,000 |
| Risk-weighted assets | 105,566,000 | 108,393,000 | 107,404,000 | 106,185,000 |