Call reports 2013
PEACH STATE BANK & TRUST — 2013
What PEACH STATE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 137,219,000 | 134,261,000 | 137,913,000 | 135,279,000 |
| Total loans | 88,960,000 | 91,689,000 | 89,780,000 | 90,886,000 |
| Allowance for loan losses | 2,262,000 | 2,312,000 | 2,340,000 | 2,141,000 |
| Securities available for sale | 31,038,000 | 26,535,000 | 28,111,000 | 28,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,462,000 | 115,806,000 | 119,134,000 | 118,718,000 |
| Interest-bearing deposits | 97,642,000 | 92,545,000 | 94,879,000 | 96,476,000 |
| Noninterest-bearing deposits | 20,820,000 | 23,261,000 | 24,255,000 | 22,242,000 |
| Equity capital | 11,343,000 | 10,995,000 | 11,115,000 | 12,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,276,000 | 2,600,000 | 3,888,000 | 5,209,000 |
| Interest expense | 206,000 | 398,000 | 545,000 | 685,000 |
| Net interest income | 1,070,000 | 2,202,000 | 3,343,000 | 4,524,000 |
| Noninterest income | -50,000 | -14,000 | 82,000 | -268,000 |
| Noninterest expense | 891,000 | 1,793,000 | 2,792,000 | 3,717,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 220,000 |
| Pretax income | 79,000 | 295,000 | 483,000 | 333,000 |
| Income tax | 0 | 0 | 0 | -1,400,000 |
| Net income | 79,000 | 295,000 | 483,000 | 1,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,138,000 | 11,354,000 | 11,541,000 | 11,749,000 |
| Total capital | 12,326,000 | 12,529,000 | 12,682,000 | 12,947,000 |
| Risk-weighted assets | 93,960,000 | 92,834,000 | 91,279,000 | 95,249,000 |