Call reports 2007
PEACH STATE BANK & TRUST — 2007
What PEACH STATE BANK & TRUST 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 | 97,284,000 | 104,904,000 | 117,868,000 | 116,175,000 |
| Total loans | 71,277,000 | 81,442,000 | 87,132,000 | 90,771,000 |
| Allowance for loan losses | 1,024,000 | 1,105,000 | 1,191,000 | 1,228,000 |
| Securities available for sale | 7,650,000 | 7,509,000 | 9,820,000 | 12,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,702,000 | 89,717,000 | 104,815,000 | 99,130,000 |
| Interest-bearing deposits | 69,217,000 | 76,102,000 | 92,407,000 | 88,322,000 |
| Noninterest-bearing deposits | 15,485,000 | 13,615,000 | 12,408,000 | 10,808,000 |
| Equity capital | 12,147,000 | 12,327,000 | 12,595,000 | 12,641,000 |
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 | 1,661,000 | 3,528,000 | 5,639,000 | 7,666,000 |
| Interest expense | 804,000 | 1,675,000 | 2,746,000 | 3,814,000 |
| Net interest income | 857,000 | 1,853,000 | 2,893,000 | 3,852,000 |
| Noninterest income | 110,000 | 202,000 | 304,000 | 398,000 |
| Noninterest expense | 649,000 | 1,308,000 | 2,045,000 | 2,895,000 |
| Provision for loan losses | 79,000 | 160,000 | 246,000 | 448,000 |
| Pretax income | 239,000 | 587,000 | 906,000 | 907,000 |
| Income tax | 91,000 | 223,000 | 345,000 | 328,000 |
| Net income | 148,000 | 364,000 | 561,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,179,000 | 12,402,000 | 12,595,000 | 12,629,000 |
| Total capital | 13,203,000 | 13,507,000 | 13,786,000 | 13,857,000 |
| Risk-weighted assets | 82,335,000 | 91,584,000 | 105,734,000 | 106,754,000 |