Call reports 2007
PNB COMMUNITY BANK — 2007
What PNB COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 137,596,000 | 141,895,000 | 136,598,000 | 131,642,000 |
| Total loans | 92,728,000 | 91,115,000 | 90,905,000 | 89,349,000 |
| Allowance for loan losses | 1,165,000 | 1,187,000 | 1,174,000 | 1,173,000 |
| Securities available for sale | 31,919,000 | 32,570,000 | 34,000,000 | 33,043,000 |
| Securities held to maturity | 34,000 | 32,000 | 30,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,060,000 | 124,042,000 | 118,033,000 | 113,396,000 |
| Interest-bearing deposits | 101,267,000 | 104,226,000 | 102,074,000 | 97,794,000 |
| Noninterest-bearing deposits | 17,793,000 | 19,816,000 | 15,959,000 | 15,602,000 |
| Equity capital | 12,381,000 | 11,893,000 | 12,522,000 | 12,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,486,000 | 4,957,000 | 7,484,000 | 9,885,000 |
| Interest expense | 1,023,000 | 2,075,000 | 3,167,000 | 4,226,000 |
| Net interest income | 1,463,000 | 2,882,000 | 4,317,000 | 5,659,000 |
| Noninterest income | 161,000 | 334,000 | 514,000 | 691,000 |
| Noninterest expense | 1,276,000 | 2,542,000 | 3,813,000 | 5,063,000 |
| Provision for loan losses | 30,000 | 55,000 | 70,000 | 70,000 |
| Pretax income | 318,000 | 619,000 | 948,000 | 1,229,000 |
| Income tax | 121,000 | 243,000 | 380,000 | 488,000 |
| Net income | 197,000 | 376,000 | 568,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,739,000 | 12,919,000 | 13,111,000 | 12,926,000 |
| Total capital | 13,904,000 | 14,106,000 | 14,218,000 | 14,066,000 |
| Risk-weighted assets | 95,772,000 | 96,035,000 | 88,469,000 | 91,166,000 |