Call reports 2011
PEACH STATE BANK & TRUST — 2011
What PEACH STATE BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 145,548,000 | 146,565,000 | 151,032,000 | 146,860,000 |
| Total loans | 109,522,000 | 108,420,000 | 104,216,000 | 100,018,000 |
| Allowance for loan losses | 3,749,000 | 4,392,000 | 4,823,000 | 4,394,000 |
| Securities available for sale | 12,987,000 | 11,655,000 | 12,325,000 | 19,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,383,000 | 131,517,000 | 136,216,000 | 129,369,000 |
| Interest-bearing deposits | 114,593,000 | 111,398,000 | 112,739,000 | 109,922,000 |
| Noninterest-bearing deposits | 15,790,000 | 20,119,000 | 23,477,000 | 19,447,000 |
| Equity capital | 8,083,000 | 7,664,000 | 7,191,000 | 10,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,661,000 | 3,332,000 | 4,959,000 | 6,551,000 |
| Interest expense | 568,000 | 1,052,000 | 1,475,000 | 1,869,000 |
| Net interest income | 1,093,000 | 2,280,000 | 3,484,000 | 4,682,000 |
| Noninterest income | -36,000 | -184,000 | -157,000 | -233,000 |
| Noninterest expense | 876,000 | 1,759,000 | 2,576,000 | 3,535,000 |
| Provision for loan losses | 660,000 | 1,320,000 | 2,211,000 | 3,401,000 |
| Pretax income | -479,000 | -983,000 | -1,460,000 | -2,487,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | -479,000 | -983,000 | -1,460,000 | -2,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,965,000 | 7,462,000 | 6,984,000 | 10,481,000 |
| Total capital | 9,405,000 | 8,855,000 | 8,327,000 | 11,792,000 |
| Risk-weighted assets | 112,853,000 | 108,438,000 | 103,999,000 | 101,750,000 |