Call reports 2016
PEACH STATE BANK & TRUST — 2016
What PEACH STATE BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 171,082,000 | 176,268,000 | 177,937,000 | 170,508,000 |
| Total loans | 104,888,000 | 108,536,000 | 113,072,000 | 119,109,000 |
| Allowance for loan losses | 1,728,000 | 1,676,000 | 1,626,000 | 1,561,000 |
| Securities available for sale | 40,000,000 | 46,911,000 | 42,539,000 | 34,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,232,000 | 155,344,000 | 156,368,000 | 151,643,000 |
| Interest-bearing deposits | 114,103,000 | 116,928,000 | 123,109,000 | 122,900,000 |
| Noninterest-bearing deposits | 37,129,000 | 38,416,000 | 33,259,000 | 28,743,000 |
| Equity capital | 16,169,000 | 16,520,000 | 16,714,000 | 16,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,139,000 | 4,825,000 | 6,583,000 |
| Interest expense | 169,000 | 351,000 | 542,000 | 736,000 |
| Net interest income | 1,354,000 | 2,788,000 | 4,283,000 | 5,847,000 |
| Noninterest income | 108,000 | 301,000 | 482,000 | 484,000 |
| Noninterest expense | 1,084,000 | 2,246,000 | 3,382,000 | 4,550,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 373,000 | 843,000 | 1,389,000 | 1,792,000 |
| Income tax | 127,000 | 293,000 | 486,000 | 682,000 |
| Net income | 246,000 | 550,000 | 903,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,085,000 | 14,402,000 | 14,935,000 | 15,131,000 |
| Total capital | 15,451,000 | 15,817,000 | 16,410,000 | 16,661,000 |
| Risk-weighted assets | 108,098,000 | 112,211,000 | 117,190,000 | 121,693,000 |