Call reports 2003
PNB COMMUNITY BANK — 2003
What PNB COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 90,096,000 | 93,901,000 | 104,983,000 | 104,994,000 |
| Total loans | 62,092,000 | 68,789,000 | 70,285,000 | 77,132,000 |
| Allowance for loan losses | 672,000 | 725,000 | 792,000 | 882,000 |
| Securities available for sale | 15,196,000 | 19,210,000 | 22,453,000 | 22,996,000 |
| Securities held to maturity | 1,112,000 | 97,000 | 83,000 | 76,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,464,000 | 78,673,000 | 90,127,000 | 89,214,000 |
| Interest-bearing deposits | 63,963,000 | 65,154,000 | 76,282,000 | 77,027,000 |
| Noninterest-bearing deposits | 11,501,000 | 13,519,000 | 13,845,000 | 12,187,000 |
| Equity capital | 9,247,000 | 9,444,000 | 9,432,000 | 9,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,447,000 | 2,987,000 | 4,597,000 | 6,291,000 |
| Interest expense | 395,000 | 786,000 | 1,193,000 | 1,598,000 |
| Net interest income | 1,052,000 | 2,201,000 | 3,404,000 | 4,693,000 |
| Noninterest income | 257,000 | 542,000 | 800,000 | 1,022,000 |
| Noninterest expense | 939,000 | 1,947,000 | 2,985,000 | 4,042,000 |
| Provision for loan losses | 46,000 | 129,000 | 204,000 | 309,000 |
| Pretax income | 324,000 | 706,000 | 1,054,000 | 1,453,000 |
| Income tax | 57,000 | 211,000 | 345,000 | 462,000 |
| Net income | 267,000 | 495,000 | 709,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,966,000 | 9,194,000 | 9,408,000 | 9,311,000 |
| Total capital | 9,638,000 | 9,919,000 | 10,200,000 | 10,193,000 |
| Risk-weighted assets | 59,193,000 | 64,566,000 | 70,255,000 | 75,758,000 |