Call reports 2005
PENDLETON COMMUNITY BANK, INC. — 2005
What PENDLETON COMMUNITY BANK, INC. 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 | 164,297,000 | 167,810,000 | 172,123,000 | 171,309,000 |
| Total loans | 122,145,000 | 126,564,000 | 126,878,000 | 125,605,000 |
| Allowance for loan losses | 1,123,000 | 1,133,000 | 1,134,000 | 1,172,000 |
| Securities available for sale | 32,461,000 | 31,283,000 | 31,631,000 | 33,459,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,130,000 | 133,874,000 | 136,996,000 | 136,976,000 |
| Interest-bearing deposits | 116,223,000 | 117,594,000 | 119,303,000 | 120,699,000 |
| Noninterest-bearing deposits | 15,907,000 | 16,280,000 | 17,693,000 | 16,277,000 |
| Equity capital | 24,389,000 | 25,028,000 | 25,580,000 | 24,835,000 |
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 | 2,380,000 | 4,881,000 | 7,512,000 | 10,226,000 |
| Interest expense | 583,000 | 1,249,000 | 2,007,000 | 2,847,000 |
| Net interest income | 1,797,000 | 3,632,000 | 5,505,000 | 7,379,000 |
| Noninterest income | 170,000 | 396,000 | 619,000 | 848,000 |
| Noninterest expense | 1,051,000 | 2,150,000 | 3,312,000 | 4,487,000 |
| Provision for loan losses | 54,000 | 109,000 | 163,000 | 219,000 |
| Pretax income | 864,000 | 1,771,000 | 2,657,000 | 3,529,000 |
| Income tax | 275,000 | 551,000 | 809,000 | 1,058,000 |
| Net income | 589,000 | 1,220,000 | 1,848,000 | 2,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,339,000 | 24,844,000 | 25,474,000 | 24,952,000 |
| Total capital | 25,462,000 | 25,977,000 | 26,608,000 | 26,124,000 |
| Risk-weighted assets | 109,613,000 | 111,561,000 | 115,499,000 | 114,861,000 |