Call reports 2002
PNB COMMUNITY BANK — 2002
What PNB COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 85,697,000 | 87,352,000 | 90,422,000 | 88,677,000 |
| Total loans | 49,152,000 | 53,649,000 | 58,096,000 | 59,120,000 |
| Allowance for loan losses | 584,000 | 612,000 | 646,000 | 669,000 |
| Securities available for sale | 22,798,000 | 24,020,000 | 23,761,000 | 21,670,000 |
| Securities held to maturity | 1,180,000 | 1,169,000 | 1,143,000 | 1,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,881,000 | 72,934,000 | 75,597,000 | 74,214,000 |
| Interest-bearing deposits | 62,612,000 | 63,304,000 | 64,274,000 | 63,194,000 |
| Noninterest-bearing deposits | 9,269,000 | 9,630,000 | 11,323,000 | 11,020,000 |
| Equity capital | 8,409,000 | 8,924,000 | 9,249,000 | 9,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,977,000 | 4,501,000 | 6,007,000 |
| Interest expense | 480,000 | 948,000 | 1,400,000 | 1,820,000 |
| Net interest income | 974,000 | 2,029,000 | 3,101,000 | 4,187,000 |
| Noninterest income | 147,000 | 335,000 | 559,000 | 806,000 |
| Noninterest expense | 843,000 | 1,704,000 | 2,605,000 | 3,538,000 |
| Provision for loan losses | 30,000 | 59,000 | 99,000 | 157,000 |
| Pretax income | 248,000 | 601,000 | 1,011,000 | 1,353,000 |
| Income tax | 97,000 | 241,000 | 404,000 | 549,000 |
| Net income | 151,000 | 360,000 | 607,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,464,000 | 8,673,000 | 8,920,000 | 8,699,000 |
| Total capital | 9,048,000 | 9,285,000 | 9,566,000 | 9,368,000 |
| Risk-weighted assets | 48,539,000 | 52,563,000 | 56,028,000 | 56,510,000 |