Call reports 2019
PEACH STATE BANK & TRUST — 2019
What PEACH STATE BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 231,556,000 | 240,132,000 | 263,748,000 | 266,299,000 |
| Total loans | 172,141,000 | 176,383,000 | 194,334,000 | 197,548,000 |
| Allowance for loan losses | 2,169,000 | 2,164,000 | 2,224,000 | 2,196,000 |
| Securities available for sale | 29,628,000 | 29,290,000 | 30,203,000 | 33,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,166,000 | 209,108,000 | 226,596,000 | 231,727,000 |
| Interest-bearing deposits | 145,206,000 | 151,805,000 | 161,068,000 | 175,020,000 |
| Noninterest-bearing deposits | 55,960,000 | 57,303,000 | 65,528,000 | 56,707,000 |
| Equity capital | 23,188,000 | 24,046,000 | 28,708,000 | 29,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,684,000 | 5,524,000 | 8,625,000 | 11,816,000 |
| Interest expense | 283,000 | 594,000 | 965,000 | 1,446,000 |
| Net interest income | 2,401,000 | 4,930,000 | 7,660,000 | 10,370,000 |
| Noninterest income | 295,000 | 628,000 | 960,000 | 1,296,000 |
| Noninterest expense | 1,964,000 | 4,035,000 | 6,180,000 | 8,176,000 |
| Provision for loan losses | 75,000 | 118,000 | 218,000 | 255,000 |
| Pretax income | 643,000 | 1,404,000 | 2,300,000 | 3,352,000 |
| Income tax | 149,000 | 327,000 | 542,000 | 790,000 |
| Net income | 494,000 | 1,077,000 | 1,758,000 | 2,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,263,000 | 23,860,000 | 28,560,000 | 29,383,000 |
| Total capital | 25,383,000 | 26,005,000 | 30,784,000 | 31,579,000 |
| Risk-weighted assets | 169,634,000 | 171,580,000 | 195,762,000 | 195,154,000 |