Call reports 2013
PNB COMMUNITY BANK — 2013
What PNB COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,424,000 | 112,635,000 | 113,381,000 | 111,410,000 |
| Total loans | 53,247,000 | 52,448,000 | 51,424,000 | 49,796,000 |
| Allowance for loan losses | 852,000 | 849,000 | 802,000 | 674,000 |
| Securities available for sale | 39,128,000 | 40,218,000 | 41,630,000 | 41,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,975,000 | 102,497,000 | 104,900,000 | 103,736,000 |
| Interest-bearing deposits | 86,285,000 | 84,744,000 | 87,535,000 | 88,721,000 |
| Noninterest-bearing deposits | 14,690,000 | 17,753,000 | 17,365,000 | 15,015,000 |
| Equity capital | 10,302,000 | 9,954,000 | 8,271,000 | 7,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,078,000 | 3,214,000 | 4,390,000 |
| Interest expense | 121,000 | 235,000 | 355,000 | 474,000 |
| Net interest income | 910,000 | 1,843,000 | 2,859,000 | 3,916,000 |
| Noninterest income | 98,000 | 181,000 | 317,000 | -100,000 |
| Noninterest expense | 974,000 | 1,907,000 | 2,856,000 | 3,837,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 24,000 | 107,000 | 310,000 | -16,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 107,000 | 310,000 | -16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,446,000 | 10,537,000 | 10,891,000 | 10,594,000 |
| Total capital | 11,119,000 | 11,206,000 | 11,587,000 | 11,268,000 |
| Risk-weighted assets | 53,696,000 | 53,337,000 | 55,583,000 | 53,930,000 |