Call reports 2008
PEACH STATE BANK & TRUST — 2008
What PEACH STATE BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 126,167,000 | 144,457,000 | 155,428,000 | 167,147,000 |
| Total loans | 97,361,000 | 109,480,000 | 122,381,000 | 130,197,000 |
| Allowance for loan losses | 1,300,000 | 1,365,000 | 1,477,000 | 1,730,000 |
| Securities available for sale | 11,564,000 | 15,965,000 | 18,519,000 | 20,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,839,000 | 125,091,000 | 135,268,000 | 144,558,000 |
| Interest-bearing deposits | 98,902,000 | 109,808,000 | 117,902,000 | 131,029,000 |
| Noninterest-bearing deposits | 12,937,000 | 15,283,000 | 17,366,000 | 13,529,000 |
| Equity capital | 12,817,000 | 12,776,000 | 13,031,000 | 13,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 3,751,000 | 5,780,000 | 7,812,000 |
| Interest expense | 966,000 | 1,909,000 | 2,999,000 | 4,095,000 |
| Net interest income | 947,000 | 1,842,000 | 2,781,000 | 3,717,000 |
| Noninterest income | 100,000 | 216,000 | 309,000 | 379,000 |
| Noninterest expense | 804,000 | 1,630,000 | 2,432,000 | 3,424,000 |
| Provision for loan losses | 70,000 | 135,000 | 278,000 | 643,000 |
| Pretax income | 193,000 | 313,000 | 400,000 | 49,000 |
| Income tax | 73,000 | 119,000 | 152,000 | -26,000 |
| Net income | 120,000 | 194,000 | 248,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,755,000 | 12,835,000 | 12,895,000 | 13,478,000 |
| Total capital | 14,055,000 | 14,200,000 | 14,372,000 | 15,208,000 |
| Risk-weighted assets | 115,074,000 | 124,180,000 | 133,761,000 | 138,521,000 |