Call reports 2007
HORRY COUNTY STATE BANK — 2007
What HORRY COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 379,986,000 | 396,795,000 | 410,425,000 | 437,648,000 |
| Total loans | 275,176,000 | 300,853,000 | 325,888,000 | 354,214,000 |
| Allowance for loan losses | 2,892,000 | 3,089,000 | 3,323,000 | 3,534,000 |
| Securities available for sale | 50,516,000 | 48,096,000 | 51,328,000 | 49,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,534,000 | 316,461,000 | 317,170,000 | 341,240,000 |
| Interest-bearing deposits | 281,055,000 | 299,946,000 | 296,472,000 | 319,683,000 |
| Noninterest-bearing deposits | 18,479,000 | 16,515,000 | 20,698,000 | 21,557,000 |
| Equity capital | 34,121,000 | 34,110,000 | 35,122,000 | 36,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,412,000 | 13,350,000 | 20,847,000 | 28,520,000 |
| Interest expense | 3,148,000 | 6,475,000 | 10,067,000 | 13,723,000 |
| Net interest income | 3,264,000 | 6,875,000 | 10,780,000 | 14,797,000 |
| Noninterest income | 669,000 | 1,357,000 | 2,114,000 | 2,760,000 |
| Noninterest expense | 2,770,000 | 5,924,000 | 9,263,000 | 12,722,000 |
| Provision for loan losses | 230,000 | 450,000 | 720,000 | 985,000 |
| Pretax income | 832,000 | 1,757,000 | 2,810,000 | 3,758,000 |
| Income tax | 289,000 | 610,000 | 975,000 | 1,304,000 |
| Net income | 543,000 | 1,147,000 | 1,835,000 | 2,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,428,000 | 35,032,000 | 35,596,000 | 36,100,000 |
| Total capital | 37,320,000 | 38,121,000 | 38,919,000 | 39,634,000 |
| Risk-weighted assets | 290,047,000 | 312,312,000 | 334,107,000 | 360,346,000 |