Call reports 2003
PBT BANCORP — 2003
What PBT BANCORP reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 226,598,000 | 226,391,000 | 225,877,000 | 231,607,000 |
| Total loans | 164,767,000 | 167,958,000 | 170,167,000 | 172,505,000 |
| Allowance for loan losses | 1,398,000 | 1,537,000 | 1,427,000 | 1,620,000 |
| Securities available for sale | 24,909,000 | 21,940,000 | 27,118,000 | 24,558,000 |
| Securities held to maturity | 2,441,000 | 2,439,000 | 2,594,000 | 2,395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,722,000 | 208,021,000 | 207,823,000 | 213,710,000 |
| Interest-bearing deposits | 177,658,000 | 177,387,000 | 177,066,000 | 182,897,000 |
| Noninterest-bearing deposits | 30,064,000 | 30,634,000 | 30,757,000 | 30,813,000 |
| Equity capital | 16,891,000 | 16,959,000 | 16,974,000 | 16,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,371,000 | 6,701,000 | 9,981,000 | 13,322,000 |
| Interest expense | 1,319,000 | 2,608,000 | 3,776,000 | 4,851,000 |
| Net interest income | 2,052,000 | 4,093,000 | 6,205,000 | 8,471,000 |
| Noninterest income | 383,000 | 867,000 | 1,306,000 | 1,756,000 |
| Noninterest expense | 1,408,000 | 2,948,000 | 4,618,000 | 6,399,000 |
| Provision for loan losses | 214,000 | 624,000 | 779,000 | 1,431,000 |
| Pretax income | 813,000 | 1,412,000 | 2,138,000 | 2,474,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 813,000 | 1,412,000 | 2,138,000 | 2,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,472,000 | 16,451,000 | 16,632,000 | 16,673,000 |
| Total capital | 17,870,000 | 17,988,000 | 18,059,000 | 18,293,000 |
| Risk-weighted assets | 166,537,000 | 169,517,000 | 171,733,000 | 174,400,000 |