Call reports 2007
PENDLETON COMMUNITY BANK, INC. — 2007
What PENDLETON COMMUNITY BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 184,621,000 | 183,641,000 | 191,608,000 | 193,779,000 |
| Total loans | 135,167,000 | 140,075,000 | 141,057,000 | 147,971,000 |
| Allowance for loan losses | 1,193,000 | 1,177,000 | 1,170,000 | 1,186,000 |
| Securities available for sale | 32,185,000 | 32,861,000 | 32,874,000 | 30,990,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,418,000 | 148,423,000 | 155,215,000 | 157,113,000 |
| Interest-bearing deposits | 133,067,000 | 131,495,000 | 136,671,000 | 138,862,000 |
| Noninterest-bearing deposits | 17,352,000 | 16,928,000 | 18,544,000 | 18,250,000 |
| Equity capital | 25,721,000 | 25,740,000 | 26,706,000 | 25,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,113,000 | 6,384,000 | 9,741,000 | 13,171,000 |
| Interest expense | 1,283,000 | 2,614,000 | 4,003,000 | 5,395,000 |
| Net interest income | 1,830,000 | 3,770,000 | 5,738,000 | 7,776,000 |
| Noninterest income | 281,000 | 584,000 | 922,000 | 1,278,000 |
| Noninterest expense | 1,271,000 | 2,618,000 | 3,980,000 | 5,399,000 |
| Provision for loan losses | 44,000 | 90,000 | 138,000 | 187,000 |
| Pretax income | 796,000 | 1,646,000 | 2,542,000 | 3,468,000 |
| Income tax | 215,000 | 453,000 | 732,000 | 977,000 |
| Net income | 581,000 | 1,193,000 | 1,810,000 | 2,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,730,000 | 26,116,000 | 26,734,000 | 25,467,000 |
| Total capital | 26,923,000 | 27,293,000 | 27,904,000 | 26,653,000 |
| Risk-weighted assets | 125,481,000 | 129,766,000 | 131,146,000 | 138,831,000 |