Call reports 2016
PIEDMONT FEDERAL SAVINGS BANK — 2016
What PIEDMONT FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 896,761,000 | 896,025,000 | 898,649,000 | 893,880,000 |
| Total loans | 506,990,000 | 506,763,000 | 511,539,000 | 508,498,000 |
| Allowance for loan losses | 894,000 | 851,000 | 851,000 | 851,000 |
| Securities available for sale | 1,898,000 | 1,809,000 | 1,707,000 | 1,602,000 |
| Securities held to maturity | 279,439,000 | 276,758,000 | 288,582,000 | 285,795,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 666,199,000 | 665,138,000 | 666,146,000 | 662,737,000 |
| Interest-bearing deposits | 661,674,000 | 658,657,000 | 658,313,000 | 658,981,000 |
| Noninterest-bearing deposits | 4,525,000 | 6,481,000 | 7,833,000 | 3,756,000 |
| Equity capital | 224,636,000 | 225,200,000 | 225,773,000 | 226,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,679,000 | 13,319,000 | 19,986,000 | 26,561,000 |
| Interest expense | 1,188,000 | 2,372,000 | 3,550,000 | 4,722,000 |
| Net interest income | 5,491,000 | 10,947,000 | 16,436,000 | 21,839,000 |
| Noninterest income | 86,000 | 168,000 | 237,000 | 755,000 |
| Noninterest expense | 4,549,000 | 9,118,000 | 13,740,000 | 18,566,000 |
| Provision for loan losses | 0 | 43,000 | 43,000 | 43,000 |
| Pretax income | 1,028,000 | 1,954,000 | 2,890,000 | 3,985,000 |
| Income tax | 391,000 | 759,000 | 1,115,000 | 1,468,000 |
| Net income | 637,000 | 1,195,000 | 1,775,000 | 2,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 224,517,000 | 225,074,000 | 225,656,000 | 226,397,000 |
| Total capital | 225,411,000 | 225,925,000 | 226,507,000 | 227,248,000 |
| Risk-weighted assets | 342,306,000 | 343,694,000 | 345,110,000 | 343,982,000 |