Call reports 2006
FIRST PIEDMONT BANK — 2006
What FIRST PIEDMONT BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,611,000 | 98,555,000 | 105,729,000 | 113,875,000 |
| Total loans | 75,114,000 | 79,217,000 | 85,124,000 | 91,975,000 |
| Allowance for loan losses | 1,024,000 | 1,024,000 | 1,025,000 | 1,066,000 |
| Securities available for sale | 11,079,000 | 11,881,000 | 12,953,000 | 12,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,975,000 | 83,280,000 | 89,278,000 | 97,290,000 |
| Interest-bearing deposits | 73,386,000 | 75,150,000 | 81,668,000 | 88,755,000 |
| Noninterest-bearing deposits | 8,589,000 | 8,129,000 | 7,610,000 | 8,535,000 |
| Equity capital | 10,913,000 | 11,267,000 | 11,750,000 | 12,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,726,000 | 3,679,000 | 5,769,000 | 8,123,000 |
| Interest expense | 690,000 | 1,472,000 | 2,386,000 | 3,472,000 |
| Net interest income | 1,036,000 | 2,207,000 | 3,383,000 | 4,651,000 |
| Noninterest income | 50,000 | 124,000 | 195,000 | 272,000 |
| Noninterest expense | 562,000 | 1,181,000 | 1,865,000 | 2,690,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 524,000 | 1,150,000 | 1,713,000 | 2,193,000 |
| Income tax | 188,000 | 411,000 | 616,000 | 806,000 |
| Net income | 336,000 | 739,000 | 1,097,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,122,000 | 11,532,000 | 11,901,000 | 12,199,000 |
| Total capital | 12,146,000 | 12,556,000 | 12,926,000 | 13,265,000 |
| Risk-weighted assets | 82,807,000 | 87,107,000 | 94,461,000 | 101,506,000 |