Call reports 2007
PCB BANK — 2007
What PCB 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 | 424,927,000 | 447,429,000 | 457,230,000 | 507,134,000 |
| Total loans | 328,386,000 | 347,775,000 | 401,799,000 | 439,457,000 |
| Allowance for loan losses | 4,364,000 | 5,415,000 | 5,273,000 | 6,313,000 |
| Securities available for sale | 12,970,000 | 15,929,000 | 17,044,000 | 21,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,431,000 | 405,089,000 | 414,289,000 | 458,753,000 |
| Interest-bearing deposits | 297,041,000 | 311,057,000 | 326,943,000 | 367,821,000 |
| Noninterest-bearing deposits | 85,390,000 | 94,032,000 | 87,346,000 | 90,932,000 |
| Equity capital | 36,436,000 | 36,973,000 | 37,313,000 | 43,238,000 |
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 | 8,288,000 | 17,327,000 | 26,864,000 | 36,438,000 |
| Interest expense | 3,850,000 | 7,912,000 | 12,167,000 | 16,430,000 |
| Net interest income | 4,438,000 | 9,415,000 | 14,697,000 | 20,008,000 |
| Noninterest income | 1,630,000 | 2,704,000 | 3,760,000 | 5,119,000 |
| Noninterest expense | 3,892,000 | 7,985,000 | 12,206,000 | 16,427,000 |
| Provision for loan losses | 823,000 | 1,967,000 | 3,059,000 | 4,486,000 |
| Pretax income | 1,353,000 | 2,167,000 | 3,192,000 | 4,214,000 |
| Income tax | 598,000 | 977,000 | 1,444,000 | 1,696,000 |
| Net income | 755,000 | 1,190,000 | 1,748,000 | 2,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,438,000 | 37,001,000 | 37,271,000 | 43,188,000 |
| Total capital | 40,865,000 | 41,775,000 | 42,587,000 | 49,004,000 |
| Risk-weighted assets | 359,150,000 | 381,247,000 | 425,238,000 | 464,665,000 |