Call reports 2006
PNB COMMUNITY BANK — 2006
What PNB COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 135,452,000 | 136,694,000 | 136,797,000 | 130,255,000 |
| Total loans | 92,180,000 | 92,572,000 | 92,245,000 | 91,730,000 |
| Allowance for loan losses | 1,090,000 | 1,096,000 | 1,108,000 | 1,152,000 |
| Securities available for sale | 29,189,000 | 28,928,000 | 30,056,000 | 30,118,000 |
| Securities held to maturity | 40,000 | 38,000 | 38,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,548,000 | 119,823,000 | 119,072,000 | 112,351,000 |
| Interest-bearing deposits | 97,445,000 | 97,137,000 | 99,325,000 | 95,139,000 |
| Noninterest-bearing deposits | 21,103,000 | 22,686,000 | 19,747,000 | 17,212,000 |
| Equity capital | 11,528,000 | 11,363,000 | 12,036,000 | 12,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,346,000 | 4,811,000 | 7,341,000 | 9,877,000 |
| Interest expense | 712,000 | 1,485,000 | 2,415,000 | 3,375,000 |
| Net interest income | 1,634,000 | 3,326,000 | 4,926,000 | 6,502,000 |
| Noninterest income | 162,000 | 335,000 | 534,000 | 685,000 |
| Noninterest expense | 1,353,000 | 2,664,000 | 3,956,000 | 5,283,000 |
| Provision for loan losses | 15,000 | 35,000 | 45,000 | 130,000 |
| Pretax income | 428,000 | 962,000 | 1,459,000 | 1,789,000 |
| Income tax | 140,000 | 354,000 | 515,000 | 649,000 |
| Net income | 288,000 | 608,000 | 944,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,111,000 | 12,431,000 | 12,767,000 | 12,543,000 |
| Total capital | 13,201,000 | 13,527,000 | 13,875,000 | 13,683,000 |
| Risk-weighted assets | 94,302,000 | 94,652,000 | 91,960,000 | 91,161,000 |