Call reports 2025
PALMETTO STATE BANK — 2025
What PALMETTO STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 634,111,000 | 604,011,000 | 599,813,000 | 623,382,000 |
| Total loans | 206,029,000 | 208,592,000 | 222,752,000 | 229,549,000 |
| Allowance for loan losses | 3,893,000 | 3,901,000 | 3,978,000 | 3,890,000 |
| Securities available for sale | 81,333,000 | 73,414,000 | 73,450,000 | 71,402,000 |
| Securities held to maturity | 245,642,000 | 242,770,000 | 239,902,000 | 237,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,750,000 | 500,634,000 | 490,155,000 | 517,545,000 |
| Interest-bearing deposits | 371,437,000 | 352,195,000 | 348,635,000 | 375,724,000 |
| Noninterest-bearing deposits | 155,313,000 | 148,439,000 | 141,520,000 | 141,821,000 |
| Equity capital | 77,670,000 | 78,913,000 | 83,900,000 | 80,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,816,000 | 11,716,000 | 17,573,000 | 23,536,000 |
| Interest expense | 1,408,000 | 2,766,000 | 4,101,000 | 5,437,000 |
| Net interest income | 4,408,000 | 8,950,000 | 13,472,000 | 18,099,000 |
| Noninterest income | 756,000 | 1,418,000 | 4,463,000 | 5,254,000 |
| Noninterest expense | 3,968,000 | 7,475,000 | 11,189,000 | 21,644,000 |
| Provision for loan losses | -38,000 | -38,000 | -38,000 | -38,000 |
| Pretax income | 1,190,000 | 2,887,000 | 6,740,000 | 1,703,000 |
| Income tax | 209,000 | 458,000 | 1,305,000 | -335,000 |
| Net income | 981,000 | 2,429,000 | 5,435,000 | 2,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,619,000 | 89,067,000 | 92,073,000 | 88,676,000 |