Call reports 2009
PNB COMMUNITY BANK — 2009
What PNB COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 128,930,000 | 128,169,000 | 132,164,000 | 132,498,000 |
| Total loans | 83,568,000 | 83,690,000 | 80,332,000 | 76,858,000 |
| Allowance for loan losses | 1,057,000 | 1,216,000 | 1,580,000 | 1,529,000 |
| Securities available for sale | 30,881,000 | 30,778,000 | 33,793,000 | 37,153,000 |
| Securities held to maturity | 26,000 | 25,000 | 24,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,261,000 | 115,028,000 | 120,009,000 | 119,950,000 |
| Interest-bearing deposits | 103,219,000 | 100,956,000 | 107,453,000 | 107,862,000 |
| Noninterest-bearing deposits | 12,042,000 | 14,072,000 | 12,556,000 | 12,088,000 |
| Equity capital | 12,519,000 | 12,018,000 | 11,431,000 | 12,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,807,000 | 3,593,000 | 5,500,000 | 7,263,000 |
| Interest expense | 706,000 | 1,354,000 | 1,936,000 | 2,453,000 |
| Net interest income | 1,101,000 | 2,239,000 | 3,564,000 | 4,810,000 |
| Noninterest income | -199,000 | -233,000 | -91,000 | -19,000 |
| Noninterest expense | 1,158,000 | 2,385,000 | 3,513,000 | 4,621,000 |
| Provision for loan losses | 0 | 400,000 | 1,450,000 | 1,450,000 |
| Pretax income | -176,000 | -602,000 | -1,454,000 | -1,197,000 |
| Income tax | 0 | 0 | 0 | -520,000 |
| Net income | -176,000 | -602,000 | -1,454,000 | -677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,576,000 | 12,150,000 | 11,483,000 | 11,887,000 |
| Total capital | 13,627,000 | 13,187,000 | 12,495,000 | 12,865,000 |
| Risk-weighted assets | 84,078,000 | 82,637,000 | 80,389,000 | 77,740,000 |