Call reports 2010
PNB COMMUNITY BANK — 2010
What PNB COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 129,031,000 | 123,412,000 | 121,769,000 | 119,746,000 |
| Total loans | 74,492,000 | 73,733,000 | 70,146,000 | 69,727,000 |
| Allowance for loan losses | 997,000 | 1,094,000 | 1,266,000 | 1,776,000 |
| Securities available for sale | 38,175,000 | 32,434,000 | 28,998,000 | 31,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,317,000 | 110,668,000 | 110,287,000 | 110,215,000 |
| Interest-bearing deposits | 102,818,000 | 96,701,000 | 96,878,000 | 98,041,000 |
| Noninterest-bearing deposits | 13,499,000 | 13,967,000 | 13,409,000 | 12,174,000 |
| Equity capital | 12,211,000 | 12,363,000 | 11,153,000 | 9,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,384,000 | 4,936,000 | 6,419,000 |
| Interest expense | 428,000 | 782,000 | 1,099,000 | 1,384,000 |
| Net interest income | 1,276,000 | 2,602,000 | 3,837,000 | 5,035,000 |
| Noninterest income | 18,000 | -95,000 | -73,000 | 180,000 |
| Noninterest expense | 1,057,000 | 2,143,000 | 3,143,000 | 4,290,000 |
| Provision for loan losses | 219,000 | 483,000 | 1,873,000 | 2,684,000 |
| Pretax income | 19,000 | -94,000 | -1,022,000 | -1,492,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | -94,000 | -1,022,000 | -1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,905,000 | 11,359,000 | 10,431,000 | 10,165,000 |
| Total capital | 12,862,000 | 12,270,000 | 11,320,000 | 11,052,000 |
| Risk-weighted assets | 76,518,000 | 72,723,000 | 70,726,000 | 70,066,000 |