Financial insights of PNBK

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	36,564
Interest on investment securities	2,934
Dividends on investment securities	168
Other interest income	8,177
Total interest and dividend income	47,843
Interest on deposits	26,663
Interest on fhlb, frb and correspondent bank borrowings	100
Interest on senior debt	610
Interest on subordinated debt	1,355
Interest on note payable	1
Total interest expense	28,730
Net interest income	19,112
Provision for credit losses	1,505
Net interest income after provision for credit losses	17,607
Loan application, inspection and processing fees	571
Deposit fees and service charges	1,524
(loss) gain on sales of loans	-2,230
Rental income	323
(loss) gain on sale of investment securities, net	0
Digital payment fee income	9,858
Other income	468
Total non-interest income	10,514
Salaries and benefits	21,978
Occupancy and equipment expense	3,096
Data processing expense	1,717
Professional and other outside services	4,309
Project expenses, net	0
Advertising and promotional expense	289
Loan administration and processing expense	199
Regulatory assessments	1,736
Insurance expense, net	729
Communications, stationary and supplies	1,414
Intangible asset impairment	0
Other operating expense	5,304
Total non-interest expense	40,771
(loss) income before income taxes	-12,650
Provision (benefit) for income taxes	59
Net (loss) income	-12,710

Basic EPS	-0.17
Diluted EPS	-0.17
Basic Average Shares	76,812,476
Diluted Average Shares	76,812,476