Call reports 2007
FIRST PIEDMONT BANK — 2007
What FIRST PIEDMONT BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,529,000 | 134,343,000 | 128,698,000 | 129,427,000 |
| Total loans | 98,506,000 | 101,237,000 | 105,128,000 | 105,016,000 |
| Allowance for loan losses | 1,081,000 | 1,082,000 | 1,109,000 | 2,164,000 |
| Securities available for sale | 12,377,000 | 13,181,000 | 14,181,000 | 13,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,421,000 | 116,968,000 | 113,057,000 | 114,777,000 |
| Interest-bearing deposits | 93,017,000 | 108,088,000 | 102,099,000 | 107,262,000 |
| Noninterest-bearing deposits | 9,404,000 | 8,880,000 | 10,958,000 | 7,515,000 |
| Equity capital | 12,345,000 | 12,510,000 | 12,617,000 | 12,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,384,000 | 4,957,000 | 7,567,000 | 9,674,000 |
| Interest expense | 1,178,000 | 2,465,000 | 3,823,000 | 5,176,000 |
| Net interest income | 1,206,000 | 2,492,000 | 3,744,000 | 4,498,000 |
| Noninterest income | 78,000 | 146,000 | 230,000 | 308,000 |
| Noninterest expense | 890,000 | 1,900,000 | 2,856,000 | 3,667,000 |
| Provision for loan losses | 15,000 | 15,000 | 42,000 | 1,097,000 |
| Pretax income | 379,000 | 723,000 | 1,076,000 | 42,000 |
| Income tax | 137,000 | 261,000 | 388,000 | -2,000 |
| Net income | 242,000 | 462,000 | 688,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,449,000 | 12,676,000 | 12,690,000 | 12,050,000 |
| Total capital | 13,530,000 | 13,758,000 | 13,799,000 | 13,491,000 |
| Risk-weighted assets | 107,606,000 | 113,303,000 | 115,155,000 | 114,543,000 |