Call reports 2009
PALMETTO STATE BANK — 2009
What PALMETTO 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 | 460,632,000 | 452,708,000 | 459,096,000 | 464,251,000 |
| Total loans | 220,904,000 | 216,389,000 | 214,487,000 | 208,819,000 |
| Allowance for loan losses | 3,095,000 | 3,358,000 | 3,911,000 | 3,065,000 |
| Securities available for sale | 53,390,000 | 60,149,000 | 53,693,000 | 70,469,000 |
| Securities held to maturity | 145,741,000 | 140,817,000 | 121,052,000 | 129,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,254,000 | 380,313,000 | 363,746,000 | 377,800,000 |
| Interest-bearing deposits | 351,650,000 | 363,774,000 | 348,683,000 | 363,964,000 |
| Noninterest-bearing deposits | 22,604,000 | 16,539,000 | 15,063,000 | 13,836,000 |
| Equity capital | 50,326,000 | 51,136,000 | 52,413,000 | 51,690,000 |
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 | 5,581,000 | 11,084,000 | 16,403,000 | 21,837,000 |
| Interest expense | 1,609,000 | 3,084,000 | 4,450,000 | 5,789,000 |
| Net interest income | 3,972,000 | 8,000,000 | 11,953,000 | 16,048,000 |
| Noninterest income | 664,000 | 1,350,000 | 1,985,000 | 2,616,000 |
| Noninterest expense | 2,264,000 | 4,983,000 | 7,356,000 | 9,371,000 |
| Provision for loan losses | 559,000 | 1,186,000 | 1,813,000 | 2,840,000 |
| Pretax income | 1,813,000 | 3,181,000 | 4,769,000 | 6,453,000 |
| Income tax | 518,000 | 932,000 | 1,346,000 | 2,027,000 |
| Net income | 1,295,000 | 2,249,000 | 3,423,000 | 4,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,892,000 | 50,846,000 | 52,020,000 | 52,023,000 |
| Total capital | 52,987,000 | 54,068,000 | 55,214,000 | 55,088,000 |
| Risk-weighted assets | 263,338,000 | 257,631,000 | 254,825,000 | 264,649,000 |
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