PNB Financial Group, the holding company for Pacific National Bank in Newport Beach, posted consolidated net income of $68,000 for the third quarter, 41.4% less that the $116,000 earned last year. The bank itself reported $161,000 net income for the quarter, a 15% increase over the $140,000 earned last year. The bank's income was reduced by the holding company's losses. For the first nine months, the holding company's net income fell 7.4% to $239,000 from $258,000 last year. The bank, however, posted $394,000 net income for the period, 8.2% higher than the $364,000 earned last year. The lower earnings for PNB Financial were caused mainly by $53,000 in expenses related to its aborted takeover of Orange Bancorp, the holding company for the Bank of Orange County.