Call reports 2015
PIEDMONT BANK, THE — 2015
What PIEDMONT BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 411,801,000 | 433,222,000 | 432,420,000 | 460,153,000 |
| Total loans | 315,830,000 | 326,829,000 | 339,321,000 | 345,775,000 |
| Allowance for loan losses | 3,391,000 | 3,447,000 | 3,528,000 | 3,636,000 |
| Securities available for sale | 26,673,000 | 25,169,000 | 24,346,000 | 23,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,570,000 | 376,213,000 | 373,740,000 | 391,330,000 |
| Interest-bearing deposits | 310,292,000 | 315,927,000 | 314,189,000 | 335,511,000 |
| Noninterest-bearing deposits | 45,278,000 | 60,286,000 | 59,551,000 | 55,819,000 |
| Equity capital | 54,620,000 | 55,401,000 | 56,599,000 | 57,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,527,000 | 9,263,000 | 14,114,000 | 19,291,000 |
| Interest expense | 665,000 | 1,390,000 | 2,149,000 | 2,973,000 |
| Net interest income | 3,862,000 | 7,873,000 | 11,965,000 | 16,318,000 |
| Noninterest income | 525,000 | 823,000 | 1,320,000 | 1,430,000 |
| Noninterest expense | 2,720,000 | 5,371,000 | 8,104,000 | 10,884,000 |
| Provision for loan losses | 175,000 | 229,000 | 309,000 | 416,000 |
| Pretax income | 1,492,000 | 3,093,000 | 4,869,000 | 6,445,000 |
| Income tax | 568,000 | 1,166,000 | 1,832,000 | 2,424,000 |
| Net income | 924,000 | 1,927,000 | 3,037,000 | 4,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,772,000 | 38,353,000 | 40,142,000 | 41,824,000 |
| Total capital | 40,163,000 | 41,800,000 | 43,670,000 | 45,460,000 |
| Risk-weighted assets | 360,021,000 | 371,263,000 | 380,741,000 | 393,006,000 |