Call reports 2015
PIEDMONT FEDERAL SAVINGS BANK — 2015
What PIEDMONT FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 915,309,000 | 913,396,000 | 908,747,000 | 899,939,000 |
| Total loans | 519,016,000 | 517,777,000 | 517,746,000 | 511,969,000 |
| Allowance for loan losses | 999,000 | 967,000 | 950,000 | 894,000 |
| Securities available for sale | 2,408,000 | 2,259,000 | 2,119,000 | 1,997,000 |
| Securities held to maturity | 267,726,000 | 263,613,000 | 269,835,000 | 272,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 687,341,000 | 684,851,000 | 678,820,000 | 671,115,000 |
| Interest-bearing deposits | 682,799,000 | 678,331,000 | 671,772,000 | 667,343,000 |
| Noninterest-bearing deposits | 4,542,000 | 6,520,000 | 7,048,000 | 3,772,000 |
| Equity capital | 221,927,000 | 222,589,000 | 223,226,000 | 224,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,876,000 | 13,696,000 | 20,448,000 | 27,196,000 |
| Interest expense | 1,274,000 | 2,538,000 | 3,779,000 | 4,999,000 |
| Net interest income | 5,602,000 | 11,158,000 | 16,669,000 | 22,197,000 |
| Noninterest income | 76,000 | 148,000 | 206,000 | 289,000 |
| Noninterest expense | 4,394,000 | 8,919,000 | 13,435,000 | 18,015,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 1,284,000 | 2,387,000 | 3,440,000 | 4,451,000 |
| Income tax | 488,000 | 907,000 | 1,307,000 | 1,528,000 |
| Net income | 796,000 | 1,480,000 | 2,133,000 | 2,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 221,753,000 | 222,437,000 | 223,090,000 | 223,880,000 |
| Total capital | 222,752,000 | 223,404,000 | 224,040,000 | 224,774,000 |
| Risk-weighted assets | 342,597,000 | 342,248,000 | 348,375,000 | 344,425,000 |