Call reports 2011
PIEDMONT BANK, THE — 2011
What PIEDMONT BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 354,473,000 | 343,363,000 | 347,973,000 | 351,639,000 |
| Total loans | 247,108,000 | 239,985,000 | 243,497,000 | 241,516,000 |
| Allowance for loan losses | 1,437,000 | 1,384,000 | 1,700,000 | 7,269,000 |
| Securities available for sale | 31,366,000 | 29,976,000 | 29,578,000 | 30,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,131,000 | 299,426,000 | 304,038,000 | 312,714,000 |
| Interest-bearing deposits | 292,512,000 | 278,528,000 | 275,797,000 | 288,661,000 |
| Noninterest-bearing deposits | 18,619,000 | 20,898,000 | 28,241,000 | 24,053,000 |
| Equity capital | 42,851,000 | 43,299,000 | 43,182,000 | 38,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,759,000 | 7,714,000 | 11,568,000 | 15,244,000 |
| Interest expense | 1,146,000 | 2,222,000 | 3,120,000 | 3,946,000 |
| Net interest income | 2,613,000 | 5,492,000 | 8,448,000 | 11,298,000 |
| Noninterest income | 278,000 | 460,000 | 694,000 | 1,159,000 |
| Noninterest expense | 2,399,000 | 5,337,000 | 7,899,000 | 13,070,000 |
| Provision for loan losses | 0 | 0 | 316,000 | 5,926,000 |
| Pretax income | 492,000 | 618,000 | 930,000 | -6,536,000 |
| Income tax | 183,000 | -42,000 | 421,000 | -2,408,000 |
| Net income | 309,000 | 660,000 | 509,000 | -4,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,045,000 | 29,895,000 | 29,745,000 | 21,270,000 |
| Total capital | 31,482,000 | 31,279,000 | 31,445,000 | 24,645,000 |
| Risk-weighted assets | 286,765,000 | 273,056,000 | 271,468,000 | 265,332,000 |