Call reports 2008
PB&T BANK — 2008
What PB&T BANK 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 | 373,407,000 | 365,390,000 | 356,583,000 | 343,465,000 |
| Total loans | 261,057,000 | 274,142,000 | 262,842,000 | 260,456,000 |
| Allowance for loan losses | 5,396,000 | 8,131,000 | 10,901,000 | 9,924,000 |
| Securities available for sale | 22,189,000 | 21,523,000 | 21,799,000 | 22,157,000 |
| Securities held to maturity | 12,624,000 | 27,867,000 | 33,849,000 | 33,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,578,000 | 309,525,000 | 304,779,000 | 282,368,000 |
| Interest-bearing deposits | 246,981,000 | 243,904,000 | 239,026,000 | 223,040,000 |
| Noninterest-bearing deposits | 68,597,000 | 65,621,000 | 65,753,000 | 59,328,000 |
| Equity capital | 52,779,000 | 51,667,000 | 45,822,000 | 53,487,000 |
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 | 6,089,000 | 12,461,000 | 17,359,000 | 22,940,000 |
| Interest expense | 1,203,000 | 2,211,000 | 3,195,000 | 3,966,000 |
| Net interest income | 4,886,000 | 10,250,000 | 14,164,000 | 18,974,000 |
| Noninterest income | 946,000 | 2,383,000 | 3,492,000 | 4,523,000 |
| Noninterest expense | 3,269,000 | 7,057,000 | 10,512,000 | 15,086,000 |
| Provision for loan losses | 200,000 | 10,444,000 | 18,194,000 | 18,194,000 |
| Pretax income | 2,363,000 | -4,868,000 | -11,050,000 | -9,783,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,363,000 | -4,868,000 | -11,050,000 | -9,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,595,000 | 50,097,000 | 43,927,000 | 51,147,000 |
| Total capital | 54,470,000 | 53,977,000 | 47,677,000 | 54,836,000 |
| Risk-weighted assets | 308,287,000 | 306,167,000 | 292,610,000 | 289,032,000 |