Call reports 2005
PB&T BANK — 2005
What PB&T BANK 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 | 361,410,000 | 363,294,000 | 355,605,000 | 353,688,000 |
| Total loans | 292,146,000 | 301,941,000 | 289,967,000 | 280,914,000 |
| Allowance for loan losses | 3,014,000 | 3,088,000 | 3,217,000 | 3,132,000 |
| Securities available for sale | 14,750,000 | 14,972,000 | 14,785,000 | 14,661,000 |
| Securities held to maturity | 23,360,000 | 23,320,000 | 24,758,000 | 24,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,650,000 | 314,301,000 | 313,555,000 | 307,217,000 |
| Interest-bearing deposits | 246,780,000 | 239,771,000 | 240,455,000 | 238,220,000 |
| Noninterest-bearing deposits | 70,870,000 | 74,530,000 | 73,100,000 | 68,997,000 |
| Equity capital | 34,967,000 | 36,452,000 | 36,702,000 | 37,874,000 |
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 | 6,790,000 | 14,114,000 | 21,352,000 | 28,995,000 |
| Interest expense | 727,000 | 1,505,000 | 2,332,000 | 3,232,000 |
| Net interest income | 6,063,000 | 12,609,000 | 19,020,000 | 25,763,000 |
| Noninterest income | 1,115,000 | 2,271,000 | 3,479,000 | 4,674,000 |
| Noninterest expense | 3,362,000 | 7,011,000 | 10,961,000 | 14,599,000 |
| Provision for loan losses | 50,000 | 150,000 | 300,000 | 300,000 |
| Pretax income | 3,766,000 | 7,719,000 | 11,238,000 | 15,538,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,766,000 | 7,719,000 | 11,238,000 | 15,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,397,000 | 35,658,000 | 36,042,000 | 37,340,000 |
| Total capital | 37,417,000 | 38,753,000 | 39,264,000 | 40,477,000 |
| Risk-weighted assets | 316,308,000 | 327,694,000 | 313,485,000 | 309,470,000 |