Call reports 2013
PIEDMONT FEDERAL SAVINGS BANK — 2013
What PIEDMONT FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 927,982,000 | 932,464,000 | 934,025,000 | 918,852,000 |
| Total loans | 512,801,000 | 522,726,000 | 537,189,000 | 535,301,000 |
| Allowance for loan losses | 1,200,000 | 1,136,000 | 1,110,000 | 1,115,000 |
| Securities available for sale | 3,884,000 | 3,486,000 | 3,222,000 | 3,035,000 |
| Securities held to maturity | 249,388,000 | 251,941,000 | 265,123,000 | 258,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 706,197,000 | 709,852,000 | 709,626,000 | 696,049,000 |
| Interest-bearing deposits | 701,151,000 | 702,461,000 | 701,218,000 | 692,667,000 |
| Noninterest-bearing deposits | 5,046,000 | 7,391,000 | 8,408,000 | 3,382,000 |
| Equity capital | 215,331,000 | 216,096,000 | 216,850,000 | 217,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,637,000 | 15,028,000 | 22,328,000 | 29,564,000 |
| Interest expense | 1,797,000 | 3,531,000 | 5,210,000 | 6,770,000 |
| Net interest income | 5,840,000 | 11,497,000 | 17,118,000 | 22,794,000 |
| Noninterest income | 88,000 | 205,000 | 287,000 | 353,000 |
| Noninterest expense | 4,456,000 | 8,896,000 | 13,335,000 | 17,900,000 |
| Provision for loan losses | 101,000 | 126,000 | 151,000 | 251,000 |
| Pretax income | 1,371,000 | 2,680,000 | 3,919,000 | 4,996,000 |
| Income tax | 559,000 | 1,066,000 | 1,546,000 | 1,655,000 |
| Net income | 812,000 | 1,614,000 | 2,373,000 | 3,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 215,100,000 | 215,902,000 | 216,661,000 | 217,629,000 |
| Total capital | 216,300,000 | 217,038,000 | 217,771,000 | 218,744,000 |
| Risk-weighted assets | 354,824,000 | 360,418,000 | 366,401,000 | 364,912,000 |
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