Call reports 2019
PIEDMONT FEDERAL SAVINGS BANK — 2019
What PIEDMONT FEDERAL SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 895,909,000 | 889,563,000 | 881,907,000 | 871,367,000 |
| Total loans | 516,430,000 | 516,877,000 | 511,411,000 | 515,914,000 |
| Allowance for loan losses | 993,000 | 1,023,000 | 1,015,000 | 1,035,000 |
| Securities available for sale | 26,864,000 | 28,500,000 | 27,666,000 | 25,771,000 |
| Securities held to maturity | 253,557,000 | 243,309,000 | 247,242,000 | 230,315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 662,345,000 | 655,127,000 | 645,653,000 | 636,831,000 |
| Interest-bearing deposits | 656,013,000 | 648,718,000 | 638,568,000 | 627,708,000 |
| Noninterest-bearing deposits | 6,332,000 | 6,409,000 | 7,085,000 | 9,123,000 |
| Equity capital | 231,007,000 | 231,405,000 | 232,289,000 | 232,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,117,000 | 14,157,000 | 21,271,000 | 28,142,000 |
| Interest expense | 1,931,000 | 3,976,000 | 6,086,000 | 8,188,000 |
| Net interest income | 5,186,000 | 10,181,000 | 15,185,000 | 19,954,000 |
| Noninterest income | 74,000 | 221,000 | 1,048,000 | 1,463,000 |
| Noninterest expense | 4,516,000 | 9,328,000 | 14,010,000 | 18,957,000 |
| Provision for loan losses | 30,000 | 60,000 | 75,000 | 111,000 |
| Pretax income | 714,000 | 1,014,000 | 2,148,000 | 2,349,000 |
| Income tax | 175,000 | 234,000 | 483,000 | 461,000 |
| Net income | 539,000 | 780,000 | 1,665,000 | 1,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,388,000 | 231,629,000 | 232,514,000 | 232,737,000 |
| Total capital | 232,381,000 | 232,652,000 | 233,529,000 | 233,772,000 |
| Risk-weighted assets | 334,244,000 | 343,757,000 | 337,001,000 | 334,110,000 |