Call reports 2012
PIEDMONT FEDERAL SAVINGS BANK — 2012
What PIEDMONT FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 931,904,000 | 930,428,000 | 927,993,000 | 923,413,000 |
| Total loans | 523,015,000 | 523,853,000 | 517,853,000 | 513,801,000 |
| Allowance for loan losses | 1,091,000 | 933,000 | 947,000 | 1,210,000 |
| Securities available for sale | 5,436,000 | 5,065,000 | 4,703,000 | 4,249,000 |
| Securities held to maturity | 244,084,000 | 249,845,000 | 243,818,000 | 251,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 713,385,000 | 711,227,000 | 706,911,000 | 703,669,000 |
| Interest-bearing deposits | 708,146,000 | 704,400,000 | 700,048,000 | 699,183,000 |
| Noninterest-bearing deposits | 5,239,000 | 6,827,000 | 6,863,000 | 4,486,000 |
| Equity capital | 211,662,000 | 212,666,000 | 213,606,000 | 214,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,422,000 | 16,674,000 | 24,750,000 | 32,577,000 |
| Interest expense | 2,502,000 | 4,766,000 | 6,918,000 | 8,910,000 |
| Net interest income | 5,920,000 | 11,908,000 | 17,832,000 | 23,667,000 |
| Noninterest income | 99,000 | 185,000 | 288,000 | 310,000 |
| Noninterest expense | 4,138,000 | 8,396,000 | 12,642,000 | 17,085,000 |
| Provision for loan losses | 102,000 | 204,000 | 347,000 | 756,000 |
| Pretax income | 1,779,000 | 3,493,000 | 5,131,000 | 6,136,000 |
| Income tax | 715,000 | 1,405,000 | 2,082,000 | 2,099,000 |
| Net income | 1,064,000 | 2,088,000 | 3,049,000 | 4,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 211,314,000 | 212,338,000 | 213,299,000 | 214,288,000 |
| Total capital | 212,405,000 | 213,271,000 | 214,246,000 | 215,498,000 |
| Risk-weighted assets | 346,163,000 | 356,614,000 | 353,697,000 | 352,948,000 |
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