Call reports 2013
PIEDMONT BANK, THE — 2013
What PIEDMONT BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 324,192,000 | 341,039,000 | 342,985,000 | 352,154,000 |
| Total loans | 226,699,000 | 235,036,000 | 253,487,000 | 278,164,000 |
| Allowance for loan losses | 2,658,000 | 2,556,000 | 2,763,000 | 3,032,000 |
| Securities available for sale | 22,634,000 | 23,114,000 | 24,699,000 | 23,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,739,000 | 299,679,000 | 301,412,000 | 303,190,000 |
| Interest-bearing deposits | 248,844,000 | 264,533,000 | 263,153,000 | 267,428,000 |
| Noninterest-bearing deposits | 34,895,000 | 35,146,000 | 38,259,000 | 35,762,000 |
| Equity capital | 38,994,000 | 39,229,000 | 39,563,000 | 40,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,368,000 | 6,771,000 | 10,284,000 | 14,227,000 |
| Interest expense | 551,000 | 1,145,000 | 1,768,000 | 2,413,000 |
| Net interest income | 2,817,000 | 5,626,000 | 8,516,000 | 11,814,000 |
| Noninterest income | 34,000 | 597,000 | 706,000 | 921,000 |
| Noninterest expense | 2,257,000 | 4,369,000 | 6,584,000 | 8,869,000 |
| Provision for loan losses | 0 | 615,000 | 820,000 | 1,088,000 |
| Pretax income | 594,000 | 1,239,000 | 1,818,000 | 2,785,000 |
| Income tax | 226,000 | 471,000 | 691,000 | 1,140,000 |
| Net income | 368,000 | 768,000 | 1,127,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,759,000 | 19,633,000 | 20,173,000 | 21,602,000 |
| Total capital | 21,417,000 | 22,189,000 | 22,936,000 | 24,634,000 |
| Risk-weighted assets | 243,679,000 | 252,350,000 | 266,742,000 | 293,009,000 |