Call reports 2007
PB&T BANK — 2007
What PB&T BANK 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 | 379,337,000 | 369,616,000 | 371,016,000 | 375,176,000 |
| Total loans | 270,442,000 | 273,290,000 | 269,305,000 | 250,104,000 |
| Allowance for loan losses | 4,762,000 | 4,947,000 | 5,802,000 | 6,467,000 |
| Securities available for sale | 14,891,000 | 11,810,000 | 15,015,000 | 12,150,000 |
| Securities held to maturity | 26,087,000 | 20,065,000 | 20,059,000 | 20,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,643,000 | 318,960,000 | 317,471,000 | 319,194,000 |
| Interest-bearing deposits | 259,781,000 | 252,802,000 | 246,365,000 | 249,149,000 |
| Noninterest-bearing deposits | 67,862,000 | 66,158,000 | 71,106,000 | 70,045,000 |
| Equity capital | 42,912,000 | 43,969,000 | 48,060,000 | 50,270,000 |
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 | 8,287,000 | 17,034,000 | 26,092,000 | 33,660,000 |
| Interest expense | 1,441,000 | 2,933,000 | 4,439,000 | 5,827,000 |
| Net interest income | 6,846,000 | 14,101,000 | 21,653,000 | 27,833,000 |
| Noninterest income | 1,186,000 | 2,407,000 | 3,616,000 | 4,599,000 |
| Noninterest expense | 3,974,000 | 7,845,000 | 11,703,000 | 15,793,000 |
| Provision for loan losses | 0 | 700,000 | 1,700,000 | 2,700,000 |
| Pretax income | 4,058,000 | 7,963,000 | 11,866,000 | 13,939,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,058,000 | 7,963,000 | 11,866,000 | 13,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,250,000 | 42,312,000 | 46,228,000 | 48,322,000 |
| Total capital | 45,140,000 | 46,263,000 | 50,222,000 | 52,171,000 |
| Risk-weighted assets | 309,830,000 | 314,350,000 | 317,184,000 | 305,031,000 |