Call reports 2012
PEACH STATE BANK & TRUST — 2012
What PEACH STATE BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 148,022,000 | 146,279,000 | 141,463,000 | 138,392,000 |
| Total loans | 97,665,000 | 94,490,000 | 92,615,000 | 92,867,000 |
| Allowance for loan losses | 3,845,000 | 3,690,000 | 3,619,000 | 3,530,000 |
| Securities available for sale | 25,104,000 | 29,047,000 | 32,615,000 | 32,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,699,000 | 127,406,000 | 122,670,000 | 120,598,000 |
| Interest-bearing deposits | 110,313,000 | 106,069,000 | 100,191,000 | 97,662,000 |
| Noninterest-bearing deposits | 19,386,000 | 21,337,000 | 22,479,000 | 22,936,000 |
| Equity capital | 11,037,000 | 11,305,000 | 11,189,000 | 11,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 3,107,000 | 4,539,000 | 5,890,000 |
| Interest expense | 343,000 | 642,000 | 896,000 | 1,124,000 |
| Net interest income | 1,242,000 | 2,465,000 | 3,643,000 | 4,766,000 |
| Noninterest income | 35,000 | -70,000 | -67,000 | -83,000 |
| Noninterest expense | 906,000 | 1,706,000 | 2,626,000 | 3,584,000 |
| Provision for loan losses | 225,000 | 450,000 | 725,000 | 920,000 |
| Pretax income | 201,000 | 292,000 | 494,000 | 473,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 292,000 | 494,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,788,000 | 10,879,000 | 11,081,000 | 11,059,000 |
| Total capital | 12,046,000 | 12,101,000 | 12,277,000 | 12,294,000 |
| Risk-weighted assets | 98,080,000 | 95,318,000 | 93,290,000 | 96,524,000 |