Call reports 2012
PIEDMONT BANK, THE — 2012
What PIEDMONT BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 360,774,000 | 357,822,000 | 334,136,000 | 322,690,000 |
| Total loans | 233,618,000 | 241,130,000 | 235,835,000 | 233,734,000 |
| Allowance for loan losses | 1,810,000 | 1,985,000 | 2,544,000 | 2,657,000 |
| Securities available for sale | 29,397,000 | 28,588,000 | 26,814,000 | 24,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,848,000 | 318,458,000 | 296,092,000 | 282,802,000 |
| Interest-bearing deposits | 292,766,000 | 289,054,000 | 266,627,000 | 248,522,000 |
| Noninterest-bearing deposits | 29,082,000 | 29,404,000 | 29,465,000 | 34,281,000 |
| Equity capital | 38,431,000 | 38,844,000 | 36,099,000 | 38,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,480,000 | 7,157,000 | 10,863,000 | 14,371,000 |
| Interest expense | 804,000 | 1,531,000 | 2,236,000 | 2,850,000 |
| Net interest income | 2,676,000 | 5,626,000 | 8,627,000 | 11,521,000 |
| Noninterest income | 111,000 | 197,000 | -3,522,000 | -5,658,000 |
| Noninterest expense | 2,451,000 | 4,777,000 | 7,132,000 | 11,466,000 |
| Provision for loan losses | -92,000 | 83,000 | 1,600,000 | 7,384,000 |
| Pretax income | 428,000 | 963,000 | -3,627,000 | -12,987,000 |
| Income tax | 153,000 | 369,000 | -1,375,000 | -4,931,000 |
| Net income | 275,000 | 594,000 | -2,252,000 | -8,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,922,000 | 22,684,000 | 17,126,000 | 17,641,000 |
| Total capital | 23,732,000 | 24,669,000 | 19,670,000 | 20,298,000 |
| Risk-weighted assets | 257,062,000 | 262,998,000 | 255,095,000 | 250,006,000 |