Call reports 2004
PBT BANCORP — 2004
What PBT BANCORP reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 237,645,000 | 239,051,000 | 241,096,000 | 247,926,000 |
| Total loans | 172,647,000 | 179,173,000 | 185,925,000 | 192,864,000 |
| Allowance for loan losses | 1,582,000 | 1,708,000 | 1,769,000 | 1,740,000 |
| Securities available for sale | 27,377,000 | 25,569,000 | 22,687,000 | 22,823,000 |
| Securities held to maturity | 2,226,000 | 2,227,000 | 2,208,000 | 2,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,885,000 | 218,918,000 | 221,137,000 | 221,891,000 |
| Interest-bearing deposits | 185,266,000 | 184,451,000 | 187,257,000 | 186,844,000 |
| Noninterest-bearing deposits | 31,619,000 | 34,467,000 | 33,880,000 | 35,047,000 |
| Equity capital | 19,743,000 | 19,168,000 | 19,180,000 | 19,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,206,000 | 6,544,000 | 9,904,000 | 13,309,000 |
| Interest expense | 1,048,000 | 2,039,000 | 3,053,000 | 4,082,000 |
| Net interest income | 2,158,000 | 4,505,000 | 6,851,000 | 9,227,000 |
| Noninterest income | 382,000 | 874,000 | 1,348,000 | 1,764,000 |
| Noninterest expense | 1,786,000 | 3,524,000 | 5,336,000 | 7,177,000 |
| Provision for loan losses | 206,000 | 546,000 | 1,033,000 | 1,410,000 |
| Pretax income | 551,000 | 1,314,000 | 1,835,000 | 2,409,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 551,000 | 1,314,000 | 1,835,000 | 2,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,894,000 | 17,864,000 | 17,555,000 | 17,690,000 |
| Total capital | 19,476,000 | 19,572,000 | 19,324,000 | 19,430,000 |
| Risk-weighted assets | 179,965,000 | 184,556,000 | 191,664,000 | 193,499,000 |