Call reports 2013
PALMETTO STATE BANK — 2013
What PALMETTO STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 435,060,000 | 431,741,000 | 430,969,000 | 421,534,000 |
| Total loans | 168,736,000 | 169,316,000 | 163,989,000 | 162,409,000 |
| Allowance for loan losses | 4,170,000 | 4,549,000 | 5,128,000 | 3,546,000 |
| Securities available for sale | 37,252,000 | 7,070,000 | 2,005,000 | 2,007,000 |
| Securities held to maturity | 169,657,000 | 206,383,000 | 208,615,000 | 206,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,700,000 | 359,820,000 | 357,314,000 | 350,328,000 |
| Interest-bearing deposits | 332,468,000 | 338,669,000 | 336,208,000 | 330,932,000 |
| Noninterest-bearing deposits | 21,232,000 | 21,151,000 | 21,106,000 | 19,396,000 |
| Equity capital | 60,932,000 | 61,840,000 | 62,672,000 | 62,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,995,000 | 7,761,000 | 11,601,000 | 15,338,000 |
| Interest expense | 317,000 | 583,000 | 859,000 | 1,128,000 |
| Net interest income | 3,678,000 | 7,178,000 | 10,742,000 | 14,210,000 |
| Noninterest income | 735,000 | 1,311,000 | 1,967,000 | 2,651,000 |
| Noninterest expense | 2,627,000 | 5,025,000 | 7,589,000 | 9,490,000 |
| Provision for loan losses | 475,000 | 895,000 | 1,315,000 | 1,685,000 |
| Pretax income | 1,311,000 | 2,569,000 | 3,805,000 | 5,686,000 |
| Income tax | 291,000 | 522,000 | 883,000 | 1,309,000 |
| Net income | 1,020,000 | 2,047,000 | 2,922,000 | 4,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,541,000 | 61,569,000 | 62,444,000 | 62,399,000 |
| Total capital | 63,425,000 | 64,413,000 | 65,217,000 | 65,945,000 |
| Risk-weighted assets | 228,650,000 | 225,841,000 | 219,446,000 | 320,899,000 |
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