Call reports 2003
PB&T BANK — 2003
What PB&T BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 352,822,000 | 340,675,000 | 342,316,000 | 349,547,000 |
| Total loans | 248,888,000 | 238,972,000 | 239,872,000 | 254,073,000 |
| Allowance for loan losses | 2,686,000 | 2,908,000 | 2,750,000 | 2,581,000 |
| Securities available for sale | 28,514,000 | 28,573,000 | 34,129,000 | 31,987,000 |
| Securities held to maturity | 34,921,000 | 27,889,000 | 28,279,000 | 38,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,439,000 | 301,772,000 | 305,824,000 | 303,214,000 |
| Interest-bearing deposits | 267,235,000 | 236,247,000 | 237,844,000 | 235,898,000 |
| Noninterest-bearing deposits | 46,204,000 | 65,525,000 | 67,980,000 | 67,316,000 |
| Equity capital | 29,261,000 | 29,071,000 | 28,734,000 | 28,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,350,000 | 12,658,000 | 18,742,000 | 25,163,000 |
| Interest expense | 937,000 | 1,764,000 | 2,423,000 | 3,060,000 |
| Net interest income | 5,413,000 | 10,894,000 | 16,319,000 | 22,103,000 |
| Noninterest income | 1,278,000 | 2,759,000 | 3,808,000 | 4,989,000 |
| Noninterest expense | 3,537,000 | 7,147,000 | 10,396,000 | 13,872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,154,000 | 6,506,000 | 9,731,000 | 13,220,000 |
| Income tax | 0 | -21,000 | -21,000 | -21,000 |
| Net income | 3,154,000 | 6,527,000 | 9,752,000 | 13,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,830,000 | 27,491,000 | 27,525,000 | 27,588,000 |
| Total capital | 30,524,000 | 30,407,000 | 30,283,000 | 30,179,000 |
| Risk-weighted assets | 277,399,000 | 271,768,000 | 273,299,000 | 283,215,000 |