Call reports 2005
PEACH STATE BANK & TRUST — 2005
What PEACH STATE BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 21,287,000 | 44,444,000 | 54,267,000 |
| Total loans | 12,663,000 | 30,004,000 | 33,805,000 |
| Allowance for loan losses | 158,000 | 375,000 | 556,000 |
| Securities available for sale | 0 | 5,941,000 | 5,765,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 9,712,000 | 32,968,000 | 42,853,000 |
| Interest-bearing deposits | 6,070,000 | 26,522,000 | 36,749,000 |
| Noninterest-bearing deposits | 3,642,000 | 6,446,000 | 6,105,000 |
| Equity capital | 11,554,000 | 11,340,000 | 11,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 246,000 | 782,000 | 1,567,000 |
| Interest expense | 82,000 | 268,000 | 602,000 |
| Net interest income | 164,000 | 514,000 | 965,000 |
| Noninterest income | 3,000 | 7,000 | 25,000 |
| Noninterest expense | 917,000 | 1,267,000 | 1,675,000 |
| Provision for loan losses | 158,000 | 375,000 | 556,000 |
| Pretax income | -908,000 | -1,121,000 | -1,241,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -908,000 | -1,121,000 | -1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 11,554,000 | 11,340,000 | 11,221,000 |
| Total capital | 11,712,000 | 11,715,000 | 11,734,000 |
| Risk-weighted assets | 16,185,000 | 37,869,000 | 41,013,000 |