Call reports 2009
PEACH STATE BANK & TRUST — 2009
What PEACH STATE BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 172,051,000 | 171,593,000 | 174,594,000 | 173,347,000 |
| Total loans | 133,760,000 | 133,980,000 | 135,408,000 | 131,718,000 |
| Allowance for loan losses | 1,898,000 | 2,184,000 | 2,212,000 | 3,558,000 |
| Securities available for sale | 20,090,000 | 20,779,000 | 21,107,000 | 23,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,008,000 | 149,550,000 | 148,948,000 | 155,141,000 |
| Interest-bearing deposits | 134,612,000 | 132,547,000 | 131,792,000 | 139,306,000 |
| Noninterest-bearing deposits | 16,396,000 | 17,003,000 | 17,156,000 | 15,835,000 |
| Equity capital | 14,011,000 | 13,819,000 | 14,703,000 | 12,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,130,000 | 4,283,000 | 6,481,000 | 8,583,000 |
| Interest expense | 1,071,000 | 2,130,000 | 3,086,000 | 4,010,000 |
| Net interest income | 1,059,000 | 2,153,000 | 3,395,000 | 4,573,000 |
| Noninterest income | 95,000 | 205,000 | 163,000 | -174,000 |
| Noninterest expense | 885,000 | 1,838,000 | 2,719,000 | 3,542,000 |
| Provision for loan losses | 210,000 | 496,000 | 658,000 | 4,495,000 |
| Pretax income | 185,000 | 321,000 | 478,000 | -3,341,000 |
| Income tax | 66,000 | 97,000 | 143,000 | -1,312,000 |
| Net income | 119,000 | 224,000 | 335,000 | -2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,903,000 | 14,014,000 | 14,429,000 | 11,153,000 |
| Total capital | 15,657,000 | 15,772,000 | 16,198,000 | 12,906,000 |
| Risk-weighted assets | 140,154,000 | 140,192,000 | 141,041,000 | 138,415,000 |