Call reports 2009
PCB BANK — 2009
What PCB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 581,178,000 | 574,558,000 | 533,418,000 | 536,936,000 |
| Total loans | 528,066,000 | 509,122,000 | 499,381,000 | 484,522,000 |
| Allowance for loan losses | 10,206,000 | 12,195,000 | 15,860,000 | 17,574,000 |
| Securities available for sale | 4,230,000 | 9,994,000 | 9,832,000 | 5,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,919,000 | 508,034,000 | 473,254,000 | 479,225,000 |
| Interest-bearing deposits | 444,724,000 | 432,648,000 | 396,296,000 | 403,105,000 |
| Noninterest-bearing deposits | 67,195,000 | 75,386,000 | 76,958,000 | 76,120,000 |
| Equity capital | 65,430,000 | 61,927,000 | 56,556,000 | 54,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,658,000 | 15,241,000 | 22,754,000 | 30,089,000 |
| Interest expense | 3,770,000 | 7,319,000 | 10,279,000 | 12,634,000 |
| Net interest income | 3,888,000 | 7,922,000 | 12,475,000 | 17,455,000 |
| Noninterest income | 424,000 | 1,600,000 | 3,137,000 | 4,856,000 |
| Noninterest expense | 3,753,000 | 7,620,000 | 11,254,000 | 14,879,000 |
| Provision for loan losses | 3,894,000 | 11,011,000 | 20,113,000 | 26,938,000 |
| Pretax income | -3,335,000 | -9,109,000 | -15,755,000 | -19,506,000 |
| Income tax | -1,372,000 | -3,748,000 | -3,748,000 | -3,748,000 |
| Net income | -1,963,000 | -5,361,000 | -12,007,000 | -15,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,385,000 | 59,027,000 | 53,690,000 | 51,521,000 |
| Total capital | 72,093,000 | 65,581,000 | 60,061,000 | 57,671,000 |
| Risk-weighted assets | 533,032,000 | 518,582,000 | 500,099,000 | 480,529,000 |