Call reports 2007
PBT BANCORP — 2007
What PBT BANCORP reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 265,513,000 | 267,967,000 | 274,773,000 | 274,711,000 |
| Total loans | 212,629,000 | 221,593,000 | 220,332,000 | 224,052,000 |
| Allowance for loan losses | 1,913,000 | 1,965,000 | 1,953,000 | 2,042,000 |
| Securities available for sale | 17,112,000 | 14,932,000 | 16,497,000 | 15,579,000 |
| Securities held to maturity | 2,155,000 | 2,106,000 | 3,288,000 | 3,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,209,000 | 242,828,000 | 248,530,000 | 249,320,000 |
| Interest-bearing deposits | 205,897,000 | 205,836,000 | 210,462,000 | 213,483,000 |
| Noninterest-bearing deposits | 36,312,000 | 36,992,000 | 38,068,000 | 35,837,000 |
| Equity capital | 20,992,000 | 21,147,000 | 21,287,000 | 21,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,499,000 | 9,130,000 | 13,812,000 | 18,319,000 |
| Interest expense | 1,943,000 | 3,998,000 | 6,203,000 | 8,271,000 |
| Net interest income | 2,556,000 | 5,132,000 | 7,609,000 | 10,048,000 |
| Noninterest income | 550,000 | 1,127,000 | 1,624,000 | 2,307,000 |
| Noninterest expense | 1,983,000 | 3,950,000 | 6,000,000 | 8,081,000 |
| Provision for loan losses | 148,000 | 300,000 | 438,000 | 728,000 |
| Pretax income | 975,000 | 2,012,000 | 2,804,000 | 3,555,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 975,000 | 2,012,000 | 2,804,000 | 3,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,631,000 | 19,833,000 | 19,761,000 | 19,736,000 |
| Total capital | 21,544,000 | 21,798,000 | 21,714,000 | 21,778,000 |
| Risk-weighted assets | 207,593,000 | 217,057,000 | 215,958,000 | 218,125,000 |