Call reports 2005
FIRST PIEDMONT BANK — 2005
What FIRST PIEDMONT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 83,486,000 | 88,107,000 | 88,305,000 | 87,814,000 |
| Total loans | 67,113,000 | 70,993,000 | 70,732,000 | 72,514,000 |
| Allowance for loan losses | 976,000 | 978,000 | 981,000 | 1,020,000 |
| Securities available for sale | 10,851,000 | 11,676,000 | 11,122,000 | 11,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,160,000 | 76,405,000 | 75,524,000 | 74,832,000 |
| Interest-bearing deposits | 64,924,000 | 70,874,000 | 68,134,000 | 68,985,000 |
| Noninterest-bearing deposits | 7,236,000 | 5,531,000 | 7,390,000 | 5,846,000 |
| Equity capital | 9,968,000 | 10,375,000 | 10,356,000 | 10,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,246,000 | 2,662,000 | 4,126,000 | 5,728,000 |
| Interest expense | 390,000 | 861,000 | 1,400,000 | 2,020,000 |
| Net interest income | 856,000 | 1,801,000 | 2,726,000 | 3,708,000 |
| Noninterest income | 45,000 | 94,000 | 138,000 | 189,000 |
| Noninterest expense | 512,000 | 1,003,000 | 1,565,000 | 2,103,000 |
| Provision for loan losses | 0 | 0 | 0 | 39,000 |
| Pretax income | 389,000 | 892,000 | 1,299,000 | 1,755,000 |
| Income tax | 135,000 | 310,000 | 450,000 | 612,000 |
| Net income | 254,000 | 582,000 | 849,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,107,000 | 10,436,000 | 10,490,000 | 10,785,000 |
| Total capital | 11,017,000 | 11,401,000 | 11,460,000 | 11,780,000 |
| Risk-weighted assets | 72,721,000 | 77,223,000 | 77,608,000 | 79,609,000 |