Call reports 2004
PNB COMMUNITY BANK — 2004
What PNB COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 119,841,000 | 130,549,000 | 136,492,000 | 136,206,000 |
| Total loans | 85,394,000 | 90,483,000 | 94,438,000 | 94,574,000 |
| Allowance for loan losses | 931,000 | 994,000 | 1,020,000 | 1,092,000 |
| Securities available for sale | 23,523,000 | 22,265,000 | 28,208,000 | 27,610,000 |
| Securities held to maturity | 73,000 | 67,000 | 53,000 | 48,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,892,000 | 115,775,000 | 120,856,000 | 120,525,000 |
| Interest-bearing deposits | 89,366,000 | 98,888,000 | 101,460,000 | 105,252,000 |
| Noninterest-bearing deposits | 15,526,000 | 16,887,000 | 19,396,000 | 15,273,000 |
| Equity capital | 9,625,000 | 9,373,000 | 9,966,000 | 10,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,779,000 | 3,688,000 | 5,735,000 | 7,888,000 |
| Interest expense | 447,000 | 937,000 | 1,472,000 | 2,049,000 |
| Net interest income | 1,332,000 | 2,751,000 | 4,263,000 | 5,839,000 |
| Noninterest income | 200,000 | 435,000 | 711,000 | 907,000 |
| Noninterest expense | 1,108,000 | 2,283,000 | 3,510,000 | 4,753,000 |
| Provision for loan losses | 70,000 | 155,000 | 210,000 | 292,000 |
| Pretax income | 386,000 | 780,000 | 1,286,000 | 1,733,000 |
| Income tax | 152,000 | 312,000 | 506,000 | 655,000 |
| Net income | 234,000 | 468,000 | 780,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,545,000 | 9,779,000 | 10,091,000 | 10,389,000 |
| Total capital | 10,476,000 | 10,773,000 | 11,111,000 | 11,482,000 |
| Risk-weighted assets | 85,536,000 | 92,692,000 | 97,108,000 | 97,449,000 |