Call reports 2005
PBT BANCORP — 2005
What PBT BANCORP reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 246,031,000 | 247,327,000 | 249,801,000 | 249,792,000 |
| Total loans | 192,430,000 | 195,628,000 | 193,737,000 | 194,688,000 |
| Allowance for loan losses | 1,821,000 | 1,875,000 | 1,844,000 | 1,820,000 |
| Securities available for sale | 22,306,000 | 21,170,000 | 20,959,000 | 20,625,000 |
| Securities held to maturity | 2,211,000 | 2,212,000 | 2,195,000 | 2,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,598,000 | 223,399,000 | 227,201,000 | 227,394,000 |
| Interest-bearing deposits | 190,517,000 | 188,581,000 | 188,363,000 | 189,407,000 |
| Noninterest-bearing deposits | 33,081,000 | 34,818,000 | 38,838,000 | 37,987,000 |
| Equity capital | 19,199,000 | 19,718,000 | 20,288,000 | 20,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,503,000 | 7,096,000 | 10,863,000 | 14,750,000 |
| Interest expense | 1,025,000 | 2,124,000 | 3,311,000 | 4,559,000 |
| Net interest income | 2,478,000 | 4,972,000 | 7,552,000 | 10,191,000 |
| Noninterest income | 419,000 | 941,000 | 1,425,000 | 1,955,000 |
| Noninterest expense | 1,738,000 | 3,657,000 | 5,544,000 | 7,640,000 |
| Provision for loan losses | 266,000 | 401,000 | 532,000 | 670,000 |
| Pretax income | 893,000 | 1,855,000 | 2,901,000 | 3,836,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 893,000 | 1,855,000 | 2,901,000 | 3,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,041,000 | 18,553,000 | 19,124,000 | 19,183,000 |
| Total capital | 19,862,000 | 20,428,000 | 20,968,000 | 21,003,000 |
| Risk-weighted assets | 191,764,000 | 194,577,000 | 192,506,000 | 190,938,000 |