Call reports 2015
PNB COMMUNITY BANK — 2015
What PNB COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 110,223,000 | 106,972,000 | 107,370,000 | 101,218,000 |
| Total loans | 46,497,000 | 47,054,000 | 47,173,000 | 46,337,000 |
| Allowance for loan losses | 685,000 | 788,000 | 714,000 | 544,000 |
| Securities available for sale | 38,559,000 | 33,665,000 | 32,799,000 | 32,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,995,000 | 96,362,000 | 96,822,000 | 90,593,000 |
| Interest-bearing deposits | 77,539,000 | 76,311,000 | 76,018,000 | 74,053,000 |
| Noninterest-bearing deposits | 21,456,000 | 20,051,000 | 20,804,000 | 16,540,000 |
| Equity capital | 11,096,000 | 10,436,000 | 10,340,000 | 10,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,011,000 | 2,098,000 | 2,935,000 | 3,931,000 |
| Interest expense | 76,000 | 149,000 | 213,000 | 272,000 |
| Net interest income | 935,000 | 1,949,000 | 2,722,000 | 3,659,000 |
| Noninterest income | 174,000 | 129,000 | 277,000 | 311,000 |
| Noninterest expense | 973,000 | 2,035,000 | 3,178,000 | 4,226,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 60,000 |
| Pretax income | 136,000 | -22,000 | -244,000 | -361,000 |
| Income tax | 0 | 3,000 | 12,000 | 13,000 |
| Net income | 136,000 | -25,000 | -256,000 | -374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,501,000 | 10,976,000 | 10,751,000 | 10,633,000 |
| Total capital | 12,123,000 | 11,573,000 | 11,413,000 | 11,177,000 |
| Risk-weighted assets | 49,734,000 | 47,211,000 | 52,520,000 | 50,544,000 |