Call reports 2008
PNB COMMUNITY BANK — 2008
What PNB COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 130,754,000 | 123,129,000 | 127,439,000 | 125,092,000 |
| Total loans | 89,714,000 | 90,053,000 | 87,661,000 | 85,072,000 |
| Allowance for loan losses | 1,315,000 | 1,306,000 | 1,207,000 | 1,283,000 |
| Securities available for sale | 28,593,000 | 26,075,000 | 26,136,000 | 22,883,000 |
| Securities held to maturity | 29,000 | 28,000 | 28,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,350,000 | 109,538,000 | 114,159,000 | 111,308,000 |
| Interest-bearing deposits | 97,596,000 | 95,797,000 | 100,027,000 | 99,807,000 |
| Noninterest-bearing deposits | 14,754,000 | 13,741,000 | 14,132,000 | 11,501,000 |
| Equity capital | 12,690,000 | 12,261,000 | 12,093,000 | 12,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,210,000 | 4,300,000 | 6,229,000 | 8,160,000 |
| Interest expense | 950,000 | 1,728,000 | 2,466,000 | 3,206,000 |
| Net interest income | 1,260,000 | 2,572,000 | 3,763,000 | 4,954,000 |
| Noninterest income | 380,000 | 520,000 | 636,000 | 528,000 |
| Noninterest expense | 1,198,000 | 2,428,000 | 3,653,000 | 4,840,000 |
| Provision for loan losses | 210,000 | 215,000 | 261,000 | 361,000 |
| Pretax income | 290,000 | 512,000 | -252,000 | -456,000 |
| Income tax | 120,000 | 224,000 | 245,000 | -467,000 |
| Net income | 170,000 | 288,000 | -497,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,096,000 | 13,214,000 | 12,429,000 | 12,748,000 |
| Total capital | 14,226,000 | 14,338,000 | 13,521,000 | 13,810,000 |
| Risk-weighted assets | 90,190,000 | 89,733,000 | 87,241,000 | 84,733,000 |