PNB Financial Group is a holding company which attracts deposits from the public and uses such deposits along with capital and other funds to grant loans. The company grants commercial, real estate, installment and construction loans and also provides small business administration loans, mortgage brokerage and mortgage banking services to customers. The bank opened a new mortgage loan production office in Sacramento in 1997. Interest and fees on loans accounted for 47% of 1997 revenues; other interest income, 2% and non-interest income, 51%.