Call reports 2025
PNB COMMUNITY BANK — 2025
What PNB COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 158,895,000 | 156,995,000 | 153,327,000 | 157,720,000 |
| Total loans | 117,045,000 | 111,794,000 | 109,492,000 | 109,154,000 |
| Allowance for loan losses | 1,409,000 | 1,425,000 | 1,398,000 | 1,410,000 |
| Securities available for sale | 28,070,000 | 31,142,000 | 32,797,000 | 33,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,353,000 | 142,469,000 | 138,301,000 | 143,109,000 |
| Interest-bearing deposits | 108,128,000 | 103,160,000 | 100,410,000 | 104,945,000 |
| Noninterest-bearing deposits | 36,225,000 | 39,309,000 | 37,891,000 | 38,164,000 |
| Equity capital | 12,804,000 | 13,040,000 | 13,551,000 | 13,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,184,000 | 4,375,000 | 6,559,000 | 8,706,000 |
| Interest expense | 369,000 | 730,000 | 1,108,000 | 1,480,000 |
| Net interest income | 1,815,000 | 3,645,000 | 5,451,000 | 7,226,000 |
| Noninterest income | 179,000 | 385,000 | 608,000 | 838,000 |
| Noninterest expense | 1,351,000 | 2,693,000 | 4,061,000 | 5,408,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 643,000 | 1,337,000 | 1,998,000 | 2,656,000 |
| Income tax | 157,000 | 340,000 | 510,000 | 678,000 |
| Net income | 486,000 | 997,000 | 1,488,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,461,000 | 15,728,000 | 15,770,000 | 15,434,000 |