Call reports 2009
HORRY COUNTY STATE BANK — 2009
What HORRY COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 692,095,000 | 702,225,000 | 776,015,000 | 759,684,000 |
| Total loans | 449,059,000 | 471,454,000 | 483,828,000 | 493,320,000 |
| Allowance for loan losses | 5,496,000 | 6,059,000 | 5,901,000 | 7,525,000 |
| Securities available for sale | 188,221,000 | 179,242,000 | 196,834,000 | 169,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,491,000 | 525,986,000 | 593,132,000 | 579,075,000 |
| Interest-bearing deposits | 511,493,000 | 507,056,000 | 572,543,000 | 559,012,000 |
| Noninterest-bearing deposits | 9,998,000 | 18,930,000 | 20,590,000 | 20,064,000 |
| Equity capital | 51,768,000 | 51,037,000 | 52,341,000 | 50,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,368,000 | 16,793,000 | 25,327,000 | 34,095,000 |
| Interest expense | 3,949,000 | 7,592,000 | 11,385,000 | 14,987,000 |
| Net interest income | 4,419,000 | 9,201,000 | 13,942,000 | 19,108,000 |
| Noninterest income | 641,000 | 1,336,000 | 1,900,000 | 2,876,000 |
| Noninterest expense | 4,022,000 | 8,574,000 | 12,787,000 | 17,430,000 |
| Provision for loan losses | 1,523,000 | 4,272,000 | 5,782,000 | 10,361,000 |
| Pretax income | -414,000 | -153,000 | 320,000 | -1,705,000 |
| Income tax | -144,000 | -53,000 | 78,000 | -686,000 |
| Net income | -270,000 | -100,000 | 242,000 | -1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,739,000 | 49,909,000 | 50,251,000 | 49,959,000 |
| Total capital | 55,235,000 | 55,968,000 | 56,152,000 | 56,617,000 |
| Risk-weighted assets | 482,378,000 | 507,802,000 | 530,572,000 | 531,796,000 |