Call reports 2008
PALMETTO STATE BANK — 2008
What PALMETTO STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 416,087,000 | 406,865,000 | 398,586,000 | 409,702,000 |
| Total loans | 220,509,000 | 222,521,000 | 221,931,000 | 218,622,000 |
| Allowance for loan losses | 2,856,000 | 3,127,000 | 3,390,000 | 2,636,000 |
| Securities available for sale | 116,458,000 | 64,414,000 | 64,756,000 | 61,322,000 |
| Securities held to maturity | 32,664,000 | 90,436,000 | 86,413,000 | 99,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,458,000 | 320,092,000 | 309,761,000 | 321,479,000 |
| Interest-bearing deposits | 272,072,000 | 269,648,000 | 262,330,000 | 270,266,000 |
| Noninterest-bearing deposits | 55,386,000 | 50,444,000 | 47,431,000 | 51,213,000 |
| Equity capital | 49,153,000 | 49,099,000 | 50,504,000 | 49,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,056,000 | 11,914,000 | 17,739,000 | 23,294,000 |
| Interest expense | 2,363,000 | 4,374,000 | 6,233,000 | 8,012,000 |
| Net interest income | 3,693,000 | 7,540,000 | 11,506,000 | 15,282,000 |
| Noninterest income | 734,000 | 1,404,000 | 2,068,000 | 2,739,000 |
| Noninterest expense | 2,308,000 | 4,729,000 | 7,160,000 | 9,062,000 |
| Provision for loan losses | 100,000 | 194,000 | 448,000 | 1,563,000 |
| Pretax income | 2,019,000 | 4,021,000 | 5,966,000 | 7,396,000 |
| Income tax | 757,000 | 1,489,000 | 2,241,000 | 2,518,000 |
| Net income | 1,262,000 | 2,532,000 | 3,725,000 | 4,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,480,000 | 48,750,000 | 49,943,000 | 48,596,000 |
| Total capital | 50,336,000 | 51,877,000 | 53,077,000 | 51,232,000 |
| Risk-weighted assets | 256,183,000 | 257,789,000 | 250,425,000 | 250,766,000 |
Machine access — free, no API key
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