Call reports 2014
PEACH STATE BANK & TRUST — 2014
What PEACH STATE BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 137,021,000 | 141,690,000 | 142,126,000 | 143,718,000 |
| Total loans | 92,881,000 | 92,501,000 | 94,375,000 | 94,287,000 |
| Allowance for loan losses | 2,262,000 | 2,454,000 | 2,118,000 | 1,848,000 |
| Securities available for sale | 27,994,000 | 25,768,000 | 28,580,000 | 29,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,034,000 | 122,318,000 | 122,614,000 | 124,688,000 |
| Interest-bearing deposits | 93,643,000 | 93,346,000 | 96,324,000 | 100,078,000 |
| Noninterest-bearing deposits | 24,391,000 | 28,972,000 | 26,290,000 | 24,610,000 |
| Equity capital | 12,814,000 | 13,176,000 | 13,393,000 | 14,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,640,000 | 4,052,000 | 5,413,000 |
| Interest expense | 127,000 | 258,000 | 400,000 | 552,000 |
| Net interest income | 1,206,000 | 2,382,000 | 3,652,000 | 4,861,000 |
| Noninterest income | 115,000 | 347,000 | 453,000 | 499,000 |
| Noninterest expense | 989,000 | 1,969,000 | 3,013,000 | 3,901,000 |
| Provision for loan losses | 125,000 | 307,000 | 370,000 | 370,000 |
| Pretax income | 208,000 | 457,000 | 748,000 | 1,114,000 |
| Income tax | 0 | 0 | 0 | -511,000 |
| Net income | 208,000 | 457,000 | 748,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,006,000 | 12,283,000 | 12,579,000 | 12,955,000 |
| Total capital | 13,236,000 | 13,498,000 | 13,843,000 | 14,202,000 |
| Risk-weighted assets | 97,353,000 | 95,969,000 | 100,221,000 | 99,198,000 |