Call reports 2008
PBT BANCORP — 2008
What PBT BANCORP reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 284,779,000 | 285,809,000 | 284,868,000 | 276,349,000 |
| Total loans | 224,557,000 | 222,914,000 | 226,715,000 | 219,546,000 |
| Allowance for loan losses | 2,048,000 | 1,892,000 | 1,748,000 | 2,308,000 |
| Securities available for sale | 13,741,000 | 9,925,000 | 12,375,000 | 9,838,000 |
| Securities held to maturity | 3,147,000 | 3,006,000 | 3,007,000 | 2,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,427,000 | 250,226,000 | 247,176,000 | 242,842,000 |
| Interest-bearing deposits | 210,865,000 | 210,924,000 | 206,057,000 | 203,854,000 |
| Noninterest-bearing deposits | 38,562,000 | 39,302,000 | 41,119,000 | 38,988,000 |
| Equity capital | 21,954,000 | 22,156,000 | 23,204,000 | 20,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,360,000 | 8,410,000 | 12,425,000 | 15,945,000 |
| Interest expense | 2,098,000 | 3,973,000 | 5,740,000 | 7,501,000 |
| Net interest income | 2,262,000 | 4,437,000 | 6,685,000 | 8,444,000 |
| Noninterest income | 440,000 | 934,000 | 1,435,000 | 1,803,000 |
| Noninterest expense | 1,923,000 | 3,907,000 | 5,936,000 | 8,498,000 |
| Provision for loan losses | 153,000 | 305,000 | 527,000 | 3,085,000 |
| Pretax income | 626,000 | 1,213,000 | 1,711,000 | -1,282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 626,000 | 1,213,000 | 1,711,000 | -1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,017,000 | 20,503,000 | 21,478,000 | 19,038,000 |
| Total capital | 22,065,000 | 22,395,000 | 23,226,000 | 21,346,000 |
| Risk-weighted assets | 221,198,000 | 220,364,000 | 222,383,000 | 215,998,000 |