Call reports 2010
PEACH STATE BANK & TRUST — 2010
What PEACH STATE BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 176,819,000 | 166,997,000 | 163,705,000 | 154,397,000 |
| Total loans | 130,380,000 | 124,178,000 | 118,056,000 | 111,441,000 |
| Allowance for loan losses | 3,953,000 | 4,303,000 | 3,174,000 | 3,188,000 |
| Securities available for sale | 31,910,000 | 18,131,000 | 14,206,000 | 13,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,353,000 | 147,717,000 | 144,543,000 | 139,308,000 |
| Interest-bearing deposits | 139,636,000 | 130,615,000 | 128,325,000 | 123,014,000 |
| Noninterest-bearing deposits | 17,717,000 | 17,102,000 | 16,218,000 | 16,294,000 |
| Equity capital | 12,344,000 | 12,019,000 | 11,785,000 | 8,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,024,000 | 3,849,000 | 5,533,000 | 7,234,000 |
| Interest expense | 826,000 | 1,583,000 | 2,255,000 | 2,887,000 |
| Net interest income | 1,198,000 | 2,266,000 | 3,278,000 | 4,347,000 |
| Noninterest income | 65,000 | 131,000 | 148,000 | -132,000 |
| Noninterest expense | 801,000 | 1,662,000 | 2,584,000 | 3,520,000 |
| Provision for loan losses | 395,000 | 1,377,000 | 1,922,000 | 3,124,000 |
| Pretax income | 67,000 | -591,000 | -964,000 | -2,313,000 |
| Income tax | 9,000 | -255,000 | -411,000 | 1,307,000 |
| Net income | 58,000 | -336,000 | -553,000 | -3,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,801,000 | 10,316,000 | 9,935,000 | 8,445,000 |
| Total capital | 12,537,000 | 11,987,000 | 11,475,000 | 9,907,000 |
| Risk-weighted assets | 136,632,000 | 131,009,000 | 121,537,000 | 115,265,000 |