Call reports 2012
PNB COMMUNITY BANK — 2012
What PNB COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 112,767,000 | 116,075,000 | 114,385,000 | 109,537,000 |
| Total loans | 61,423,000 | 60,711,000 | 57,125,000 | 54,582,000 |
| Allowance for loan losses | 1,112,000 | 1,122,000 | 1,121,000 | 890,000 |
| Securities available for sale | 30,542,000 | 25,836,000 | 37,547,000 | 39,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,532,000 | 104,011,000 | 102,575,000 | 98,750,000 |
| Interest-bearing deposits | 88,121,000 | 88,358,000 | 86,540,000 | 86,025,000 |
| Noninterest-bearing deposits | 13,411,000 | 15,653,000 | 16,035,000 | 12,725,000 |
| Equity capital | 11,149,000 | 11,674,000 | 11,456,000 | 10,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,521,000 | 3,511,000 | 4,556,000 |
| Interest expense | 144,000 | 285,000 | 425,000 | 555,000 |
| Net interest income | 1,152,000 | 2,236,000 | 3,086,000 | 4,001,000 |
| Noninterest income | 95,000 | 186,000 | 240,000 | -43,000 |
| Noninterest expense | 1,035,000 | 2,055,000 | 3,073,000 | 4,061,000 |
| Provision for loan losses | 230,000 | 290,000 | 300,000 | 310,000 |
| Pretax income | 2,000 | 178,000 | 55,000 | -292,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | 178,000 | 55,000 | -292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,897,000 | 11,090,000 | 10,925,000 | 10,469,000 |
| Total capital | 11,642,000 | 11,825,000 | 11,619,000 | 11,144,000 |
| Risk-weighted assets | 59,237,000 | 58,445,000 | 55,103,000 | 53,763,000 |