Call reports 2008
PIEDMONT BANK, THE — 2008
What PIEDMONT BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,110,000 | 129,982,000 | 148,611,000 | 156,851,000 |
| Total loans | 87,843,000 | 111,728,000 | 123,234,000 | 127,544,000 |
| Allowance for loan losses | 1,396,000 | 2,639,000 | 1,538,000 | 3,418,000 |
| Securities available for sale | 4,997,000 | 5,059,000 | 7,624,000 | 12,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,307,000 | 109,928,000 | 129,875,000 | 133,003,000 |
| Interest-bearing deposits | 80,479,000 | 105,673,000 | 124,396,000 | 128,611,000 |
| Noninterest-bearing deposits | 3,828,000 | 4,256,000 | 5,479,000 | 4,392,000 |
| Equity capital | 21,520,000 | 19,755,000 | 18,225,000 | 14,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 3,092,000 | 5,036,000 | 6,814,000 |
| Interest expense | 782,000 | 1,718,000 | 2,947,000 | 4,243,000 |
| Net interest income | 709,000 | 1,374,000 | 2,089,000 | 2,571,000 |
| Noninterest income | 3,000 | 10,000 | 17,000 | 25,000 |
| Noninterest expense | 862,000 | 1,862,000 | 3,017,000 | 4,249,000 |
| Provision for loan losses | 701,000 | 2,244,000 | 3,480,000 | 6,918,000 |
| Pretax income | -851,000 | -2,722,000 | -4,391,000 | -8,571,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -851,000 | -2,722,000 | -4,391,000 | -8,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,520,000 | 19,809,000 | 18,269,000 | 14,216,000 |
| Total capital | 22,618,000 | 21,052,000 | 19,809,000 | 15,810,000 |
| Risk-weighted assets | 89,961,000 | 118,022,000 | 133,419,000 | 140,997,000 |