Call reports 2005
PNB COMMUNITY BANK — 2005
What PNB COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,355,000 | 153,529,000 | 145,739,000 | 132,410,000 |
| Total loans | 92,791,000 | 95,591,000 | 95,013,000 | 93,493,000 |
| Allowance for loan losses | 1,106,000 | 1,121,000 | 1,119,000 | 1,121,000 |
| Securities available for sale | 25,036,000 | 28,770,000 | 27,963,000 | 26,148,000 |
| Securities held to maturity | 45,000 | 45,000 | 44,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,476,000 | 137,128,000 | 129,001,000 | 115,430,000 |
| Interest-bearing deposits | 110,656,000 | 112,917,000 | 103,747,000 | 97,619,000 |
| Noninterest-bearing deposits | 22,820,000 | 24,211,000 | 25,254,000 | 17,811,000 |
| Equity capital | 10,406,000 | 10,888,000 | 11,182,000 | 11,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,169,000 | 4,502,000 | 6,957,000 | 9,334,000 |
| Interest expense | 615,000 | 1,290,000 | 1,979,000 | 2,673,000 |
| Net interest income | 1,554,000 | 3,212,000 | 4,978,000 | 6,661,000 |
| Noninterest income | 212,000 | 437,000 | 626,000 | 785,000 |
| Noninterest expense | 1,230,000 | 2,502,000 | 3,806,000 | 5,140,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 506,000 | 1,107,000 | 1,758,000 | 2,266,000 |
| Income tax | 174,000 | 411,000 | 647,000 | 832,000 |
| Net income | 332,000 | 696,000 | 1,111,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,721,000 | 11,085,000 | 11,500,000 | 11,823,000 |
| Total capital | 11,827,000 | 12,206,000 | 12,619,000 | 12,944,000 |
| Risk-weighted assets | 96,487,000 | 107,534,000 | 96,171,000 | 93,203,000 |