Call reports 2023
PBT BANCORP — 2023
What PBT BANCORP reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 302,842,000 | 303,026,000 | 318,069,000 | 325,993,000 |
| Total loans | 216,867,000 | 222,012,000 | 234,832,000 | 237,921,000 |
| Allowance for loan losses | 2,993,000 | 3,089,000 | 3,086,000 | 3,050,000 |
| Securities available for sale | 50,880,000 | 49,533,000 | 49,994,000 | 39,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,585,000 | 278,541,000 | 294,416,000 | 300,634,000 |
| Interest-bearing deposits | 215,668,000 | 210,050,000 | 228,747,000 | 240,120,000 |
| Noninterest-bearing deposits | 65,917,000 | 68,491,000 | 65,669,000 | 60,514,000 |
| Equity capital | 13,512,000 | 13,984,000 | 12,823,000 | 15,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,410,000 | 7,092,000 | 11,060,000 | 15,267,000 |
| Interest expense | 702,000 | 1,680,000 | 3,124,000 | 4,891,000 |
| Net interest income | 2,708,000 | 5,412,000 | 7,936,000 | 10,376,000 |
| Noninterest income | 330,000 | 719,000 | 1,196,000 | 1,635,000 |
| Noninterest expense | 2,156,000 | 4,313,000 | 6,530,000 | 8,750,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 98,000 |
| Pretax income | 883,000 | 1,670,000 | 2,454,000 | 2,555,000 |
| Income tax | 165,000 | 253,000 | 299,000 | 577,000 |
| Net income | 718,000 | 1,417,000 | 2,155,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,975,000 | 26,675,000 | 27,402,000 | 27,235,000 |
| Total capital | 28,721,000 | 29,485,000 | 30,344,000 | 30,094,000 |
| Risk-weighted assets | 219,453,000 | 224,512,000 | 235,187,000 | 228,571,000 |