Call reports 2015
PEACH STATE BANK & TRUST — 2015
What PEACH STATE BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 149,082,000 | 148,870,000 | 157,260,000 | 157,000,000 |
| Total loans | 95,034,000 | 96,334,000 | 97,308,000 | 100,288,000 |
| Allowance for loan losses | 2,006,000 | 2,014,000 | 2,025,000 | 1,697,000 |
| Securities available for sale | 33,721,000 | 32,883,000 | 32,899,000 | 37,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,229,000 | 125,259,000 | 132,557,000 | 139,438,000 |
| Interest-bearing deposits | 101,726,000 | 99,409,000 | 101,239,000 | 109,708,000 |
| Noninterest-bearing deposits | 25,503,000 | 25,850,000 | 31,318,000 | 29,730,000 |
| Equity capital | 14,623,000 | 14,524,000 | 14,868,000 | 15,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,681,000 | 4,103,000 | 5,515,000 |
| Interest expense | 151,000 | 310,000 | 470,000 | 636,000 |
| Net interest income | 1,202,000 | 2,371,000 | 3,633,000 | 4,879,000 |
| Noninterest income | 125,000 | 283,000 | 509,000 | 662,000 |
| Noninterest expense | 1,037,000 | 2,134,000 | 3,261,000 | 4,228,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 314,000 | 552,000 | 919,000 | 1,348,000 |
| Income tax | 110,000 | 189,000 | 316,000 | -156,000 |
| Net income | 204,000 | 363,000 | 603,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,820,000 | 12,869,000 | 13,289,000 | 13,572,000 |
| Total capital | 14,020,000 | 14,134,000 | 14,556,000 | 14,913,000 |
| Risk-weighted assets | 94,095,000 | 99,401,000 | 99,638,000 | 105,525,000 |