PB Bancorp (PBBI) annual balance sheet covering fiscal 2015 through 2019, as reported to the SEC.
Total assets have grown 3.2% a year on average since fiscal 2015, from $473.6M to $538.03M, rising in every year shown.
A balance sheet shows what a company owns and what it owes on a single date. The difference between the two belongs to shareholders.
| Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ASSETS | ||||||||||||||||||||
Cash and due from depository institutions | ||||||||||||||||||||
2,173 | 4,465 | 4,331 | 4,753 | 4,562 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Cash and due from depository institutions | 2,173 | 4,465 | 4,331 | 4,753 | 4,562 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest-bearing demand deposits with other banks | ||||||||||||||||||||
23,499 | 5,637 | 5,842 | 380 | 764 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest-bearing demand deposits with other banks | 23,499 | 5,637 | 5,842 | 380 | 764 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total cash and cash equivalents | ||||||||||||||||||||
25,672 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total cash and cash equivalents | 25,672 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities available-for-sale, at fair value | ||||||||||||||||||||
38,919 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities available-for-sale, at fair value | 38,919 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Cash and cash equivalents | ||||||||||||||||||||
- | 10,102 | 10,173 | 5,133 | 5,326 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Cash and cash equivalents | - | 10,102 | 10,173 | 5,133 | 5,326 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Investments in available-for-sale securities, at fair value | ||||||||||||||||||||
- | 46,546 | 60,150 | 70,436 | 45,657 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Investments in available-for-sale securities, at fair value | - | 46,546 | 60,150 | 70,436 | 45,657 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities held-to-maturity (fair value of $53,628 as of December 31, 2019 and $63,858 as of June 30, 2019) | ||||||||||||||||||||
63,480 | 82,816 | 110,022 | 144,343 | 164,096 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities held-to-maturity (fair value of $53,628 as of December 31, 2019 and $63,858 as of June 30, 2019) | 63,480 | 82,816 | 110,022 | 144,343 | 164,096 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal Home Loan Bank stock, at cost | ||||||||||||||||||||
3,464 | 4,206 | 4,353 | 3,819 | 5,371 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal Home Loan Bank stock, at cost | 3,464 | 4,206 | 4,353 | 3,819 | 5,371 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans | ||||||||||||||||||||
381,080 | 355,213 | 312,572 | 253,647 | 226,221 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans | 381,080 | 355,213 | 312,572 | 253,647 | 226,221 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Less: Allowance for loan losses | ||||||||||||||||||||
3,063 | 2,943 | 2,780 | 2,303 | 2,175 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Less: Allowance for loan losses | 3,063 | 2,943 | 2,780 | 2,303 | 2,175 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net loans | ||||||||||||||||||||
378,017 | 352,270 | 309,792 | 251,344 | 224,046 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net loans | 378,017 | 352,270 | 309,792 | 251,344 | 224,046 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Premises and equipment, net | ||||||||||||||||||||
3,062 | 3,253 | 3,483 | 3,639 | 3,763 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Premises and equipment, net | 3,062 | 3,253 | 3,483 | 3,639 | 3,763 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accrued interest receivable | ||||||||||||||||||||
1,559 | 1,361 | 1,258 | 1,216 | 1,051 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accrued interest receivable | 1,559 | 1,361 | 1,258 | 1,216 | 1,051 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other real estate owned | ||||||||||||||||||||
1,271 | 1,381 | 1,814 | 1,895 | 3,155 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other real estate owned | 1,271 | 1,381 | 1,814 | 1,895 | 3,155 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Goodwill | ||||||||||||||||||||
6,912 | 6,912 | 6,912 | 6,912 | 6,912 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Goodwill | 6,912 | 6,912 | 6,912 | 6,912 | 6,912 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Bank-owned life insurance | ||||||||||||||||||||
13,267 | 12,912 | 12,555 | 9,699 | 9,427 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Bank-owned life insurance | 13,267 | 12,912 | 12,555 | 9,699 | 9,427 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Net deferred tax asset | ||||||||||||||||||||
443 | 1,691 | 1,862 | 2,538 | 2,704 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net deferred tax asset | 443 | 1,691 | 1,862 | 2,538 | 2,704 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other assets | ||||||||||||||||||||
1,964 | 1,938 | 1,774 | 1,583 | 2,093 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other assets | 1,964 | 1,938 | 1,774 | 1,583 | 2,093 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total assets | ||||||||||||||||||||
538,030 | 525,388 | 524,148 | 502,557 | 473,601 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total assets | 538,030 | 525,388 | 524,148 | 502,557 | 473,601 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
LIABILITIES AND STOCKHOLDERS' EQUITY | ||||||||||||||||||||
Liabilities | ||||||||||||||||||||
Deposits | ||||||||||||||||||||
Non-interest-bearing | ||||||||||||||||||||
73,764 | 71,428 | 71,783 | 65,700 | 59,854 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Non-interest-bearing | 73,764 | 71,428 | 71,783 | 65,700 | 59,854 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest-bearing | ||||||||||||||||||||
310,095 | 300,157 | 293,978 | 290,366 | 297,787 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest-bearing | 310,095 | 300,157 | 293,978 | 290,366 | 297,787 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total deposits | ||||||||||||||||||||
383,859 | 371,585 | 365,761 | 356,066 | 357,641 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total deposits | 383,859 | 371,585 | 365,761 | 356,066 | 357,641 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Mortgagors' escrow accounts | ||||||||||||||||||||
3,371 | 3,123 | 2,850 | 2,657 | 2,363 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Mortgagors' escrow accounts | 3,371 | 3,123 | 2,850 | 2,657 | 2,363 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal Home Loan Bank advances | ||||||||||||||||||||
62,145 | 63,199 | 67,000 | 53,900 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal Home Loan Bank advances | 62,145 | 63,199 | 67,000 | 53,900 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal Home Loan Bank advances | ||||||||||||||||||||
- | - | - | - | 56,740 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal Home Loan Bank advances | - | - | - | - | 56,740 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities sold under agreements to repurchase | ||||||||||||||||||||
804 | 664 | 1,582 | 2,359 | 2,797 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities sold under agreements to repurchase | 804 | 664 | 1,582 | 2,359 | 2,797 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other liabilities | ||||||||||||||||||||
2,779 | 2,528 | 2,418 | 2,487 | 2,316 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other liabilities | 2,779 | 2,528 | 2,418 | 2,487 | 2,316 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total liabilities | ||||||||||||||||||||
452,958 | 441,099 | 439,611 | 417,469 | 421,857 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total liabilities | 452,958 | 441,099 | 439,611 | 417,469 | 421,857 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Commitments and Contingencies (Notes 9 and 11) | ||||||||||||||||||||
- | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Commitments and Contingencies (Notes 9 and 11) | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Stockholders' Equity | ||||||||||||||||||||
Preferred stock, 50,000,000 shares authorized, $0.01 par value, no shares issued and outstanding | ||||||||||||||||||||
- | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Preferred stock, 50,000,000 shares authorized, $0.01 par value, no shares issued and outstanding | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Common stock, 100,000,000 shares authorized, $0.01 par value, 7,447,204 shares issued and outstanding at December 31, 2019 and June 30, 2019. | ||||||||||||||||||||
74 | 76 | 78 | 79 | 694 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Common stock, 100,000,000 shares authorized, $0.01 par value, 7,447,204 shares issued and outstanding at December 31, 2019 and June 30, 2019. | 74 | 76 | 78 | 79 | 694 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Additional paid-in capital | ||||||||||||||||||||
58,598 | 60,329 | 62,243 | 62,837 | 30,602 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Additional paid-in capital | 58,598 | 60,329 | 62,243 | 62,837 | 30,602 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Retained earnings | ||||||||||||||||||||
30,638 | 28,822 | 27,195 | 25,901 | 25,919 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Retained earnings | 30,638 | 28,822 | 27,195 | 25,901 | 25,919 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accumulated other comprehensive loss | ||||||||||||||||||||
-269 | -522 | -117 | -143 | -198 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accumulated other comprehensive loss | -269 | -522 | -117 | -143 | -198 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Unearned ESOP shares | ||||||||||||||||||||
3,146 | 3,293 | 3,439 | 3,586 | 1,182 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Unearned ESOP shares | 3,146 | 3,293 | 3,439 | 3,586 | 1,182 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Unearned stock awards | ||||||||||||||||||||
823 | 1,123 | 1,423 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Unearned stock awards | 823 | 1,123 | 1,423 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Treasury stock, at cost (478,142 shares at June 30, 2015) | ||||||||||||||||||||
- | - | - | - | 4,091 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Treasury stock, at cost (478,142 shares at June 30, 2015) | - | - | - | - | 4,091 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total stockholders' equity | ||||||||||||||||||||
85,072 | 84,289 | 84,537 | 85,088 | 51,744 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total stockholders' equity | 85,072 | 84,289 | 84,537 | 85,088 | 51,744 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total liabilities and stockholders' equity | ||||||||||||||||||||
538,030 | 525,388 | 524,148 | 502,557 | 473,601 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total liabilities and stockholders' equity | 538,030 | 525,388 | 524,148 | 502,557 | 473,601 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||