Call reports 2008
PENDLETON COMMUNITY BANK, INC. — 2008
What PENDLETON COMMUNITY BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 201,639,000 | 204,253,000 | 202,128,000 | 203,807,000 |
| Total loans | 150,013,000 | 153,681,000 | 155,129,000 | 158,378,000 |
| Allowance for loan losses | 1,259,000 | 1,319,000 | 1,341,000 | 1,396,000 |
| Securities available for sale | 28,200,000 | 26,309,000 | 26,367,000 | 25,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,653,000 | 165,522,000 | 166,657,000 | 167,240,000 |
| Interest-bearing deposits | 146,845,000 | 145,732,000 | 145,526,000 | 147,043,000 |
| Noninterest-bearing deposits | 18,809,000 | 19,790,000 | 21,131,000 | 20,197,000 |
| Equity capital | 26,451,000 | 26,308,000 | 26,616,000 | 26,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,258,000 | 6,413,000 | 9,541,000 | 12,595,000 |
| Interest expense | 1,354,000 | 2,611,000 | 3,779,000 | 4,864,000 |
| Net interest income | 1,904,000 | 3,802,000 | 5,762,000 | 7,731,000 |
| Noninterest income | 340,000 | 739,000 | 1,128,000 | 1,523,000 |
| Noninterest expense | 1,330,000 | 2,663,000 | 4,023,000 | 5,406,000 |
| Provision for loan losses | 61,000 | 135,000 | 216,000 | 297,000 |
| Pretax income | 853,000 | 1,743,000 | 2,651,000 | 3,551,000 |
| Income tax | 236,000 | 481,000 | 734,000 | 997,000 |
| Net income | 617,000 | 1,262,000 | 1,917,000 | 2,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,084,000 | 26,229,000 | 26,433,000 | 25,806,000 |
| Total capital | 27,343,000 | 27,548,000 | 27,774,000 | 27,202,000 |
| Risk-weighted assets | 140,891,000 | 144,892,000 | 144,164,000 | 146,056,000 |