Call reports 2008
PCB BANK — 2008
What PCB 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 | 507,317,000 | 551,434,000 | 565,570,000 | 580,803,000 |
| Total loans | 467,639,000 | 511,485,000 | 533,161,000 | 541,823,000 |
| Allowance for loan losses | 6,086,000 | 7,101,000 | 7,656,000 | 8,529,000 |
| Securities available for sale | 15,147,000 | 15,043,000 | 9,958,000 | 8,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,265,000 | 447,944,000 | 484,705,000 | 506,011,000 |
| Interest-bearing deposits | 357,080,000 | 370,709,000 | 407,257,000 | 433,062,000 |
| Noninterest-bearing deposits | 75,185,000 | 77,235,000 | 77,448,000 | 72,949,000 |
| Equity capital | 43,935,000 | 47,701,000 | 51,828,000 | 65,617,000 |
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 | 9,655,000 | 18,494,000 | 27,895,000 | 36,573,000 |
| Interest expense | 4,477,000 | 8,438,000 | 12,357,000 | 16,325,000 |
| Net interest income | 5,178,000 | 10,056,000 | 15,538,000 | 20,248,000 |
| Noninterest income | 1,231,000 | 2,461,000 | 3,752,000 | 4,533,000 |
| Noninterest expense | 4,376,000 | 8,378,000 | 12,227,000 | 16,017,000 |
| Provision for loan losses | 944,000 | 2,578,000 | 4,071,000 | 7,147,000 |
| Pretax income | 1,098,000 | 1,570,000 | 3,001,000 | 1,626,000 |
| Income tax | 503,000 | 651,000 | 1,239,000 | 623,000 |
| Net income | 595,000 | 919,000 | 1,762,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,844,000 | 47,672,000 | 51,834,000 | 65,583,000 |
| Total capital | 49,933,000 | 54,233,000 | 58,631,000 | 72,465,000 |
| Risk-weighted assets | 487,017,000 | 524,251,000 | 542,850,000 | 548,838,000 |