Call reports 2010
PALMETTO STATE BANK — 2010
What PALMETTO STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 466,752,000 | 482,293,000 | 486,412,000 | 495,260,000 |
| Total loans | 208,838,000 | 209,764,000 | 203,833,000 | 199,440,000 |
| Allowance for loan losses | 3,833,000 | 4,157,000 | 4,556,000 | 3,444,000 |
| Securities available for sale | 51,961,000 | 33,420,000 | 78,380,000 | 108,029,000 |
| Securities held to maturity | 122,596,000 | 133,233,000 | 103,868,000 | 89,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,987,000 | 386,613,000 | 389,269,000 | 403,350,000 |
| Interest-bearing deposits | 356,168,000 | 369,570,000 | 372,430,000 | 383,363,000 |
| Noninterest-bearing deposits | 17,819,000 | 17,043,000 | 16,839,000 | 19,987,000 |
| Equity capital | 53,480,000 | 55,084,000 | 56,406,000 | 56,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,351,000 | 10,587,000 | 15,727,000 | 20,741,000 |
| Interest expense | 1,082,000 | 2,188,000 | 3,226,000 | 4,163,000 |
| Net interest income | 4,269,000 | 8,399,000 | 12,501,000 | 16,578,000 |
| Noninterest income | 666,000 | 1,330,000 | 2,329,000 | 2,854,000 |
| Noninterest expense | 2,350,000 | 4,858,000 | 7,409,000 | 9,355,000 |
| Provision for loan losses | 580,000 | 1,100,000 | 1,835,000 | 2,875,000 |
| Pretax income | 2,005,000 | 3,771,000 | 5,586,000 | 7,202,000 |
| Income tax | 604,000 | 1,132,000 | 1,777,000 | 2,155,000 |
| Net income | 1,401,000 | 2,639,000 | 3,809,000 | 5,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,423,000 | 54,661,000 | 55,831,000 | 57,068,000 |
| Total capital | 56,596,000 | 57,804,000 | 58,890,000 | 60,247,000 |
| Risk-weighted assets | 253,178,000 | 250,405,000 | 248,585,000 | 257,674,000 |
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