Call reports 2014
PIEDMONT FEDERAL SAVINGS BANK — 2014
What PIEDMONT FEDERAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 919,049,000 | 925,366,000 | 927,004,000 | 920,117,000 |
| Total loans | 531,929,000 | 530,054,000 | 523,199,000 | 522,396,000 |
| Allowance for loan losses | 1,113,000 | 1,111,000 | 1,133,000 | 1,059,000 |
| Securities available for sale | 2,922,000 | 2,788,000 | 2,635,000 | 2,491,000 |
| Securities held to maturity | 251,887,000 | 255,298,000 | 254,604,000 | 264,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 694,135,000 | 699,580,000 | 699,557,000 | 694,216,000 |
| Interest-bearing deposits | 688,324,000 | 693,789,000 | 693,796,000 | 689,573,000 |
| Noninterest-bearing deposits | 5,811,000 | 5,791,000 | 5,761,000 | 4,643,000 |
| Equity capital | 218,571,000 | 219,424,000 | 220,126,000 | 221,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,083,000 | 14,193,000 | 21,181,000 | 28,136,000 |
| Interest expense | 1,368,000 | 2,687,000 | 4,053,000 | 5,411,000 |
| Net interest income | 5,715,000 | 11,506,000 | 17,128,000 | 22,725,000 |
| Noninterest income | 91,000 | 150,000 | 206,000 | 289,000 |
| Noninterest expense | 4,484,000 | 8,928,000 | 13,364,000 | 17,893,000 |
| Provision for loan losses | 53,000 | 74,000 | 141,000 | 141,000 |
| Pretax income | 1,269,000 | 2,654,000 | 3,829,000 | 4,980,000 |
| Income tax | 502,000 | 1,037,000 | 1,509,000 | 1,652,000 |
| Net income | 767,000 | 1,617,000 | 2,320,000 | 3,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 218,395,000 | 219,246,000 | 219,949,000 | 220,957,000 |
| Total capital | 219,508,000 | 220,357,000 | 221,082,000 | 222,016,000 |
| Risk-weighted assets | 362,790,000 | 362,533,000 | 358,916,000 | 358,464,000 |
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