Call reports 2006
PALMETTO HERITAGE BANK & TRUST — 2006
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 33,325,000 | 34,288,000 | 40,358,000 | 44,585,000 |
| Total loans | 19,465,000 | 26,351,000 | 28,171,000 | 33,720,000 |
| Allowance for loan losses | 194,000 | 246,000 | 282,000 | 333,000 |
| Securities available for sale | 1,492,000 | 1,487,000 | 2,852,000 | 2,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,864,000 | 23,896,000 | 29,708,000 | 33,939,000 |
| Interest-bearing deposits | 17,930,000 | 21,264,000 | 28,076,000 | 32,603,000 |
| Noninterest-bearing deposits | 4,934,000 | 2,632,000 | 1,631,000 | 1,336,000 |
| Equity capital | 8,920,000 | 8,836,000 | 9,032,000 | 8,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 338,000 | 774,000 | 1,373,000 | 2,061,000 |
| Interest expense | 156,000 | 359,000 | 671,000 | 1,048,000 |
| Net interest income | 182,000 | 415,000 | 702,000 | 1,013,000 |
| Noninterest income | 78,000 | 177,000 | 273,000 | 389,000 |
| Noninterest expense | 368,000 | 771,000 | 1,175,000 | 1,622,000 |
| Provision for loan losses | 24,000 | 76,000 | 112,000 | 163,000 |
| Pretax income | -132,000 | -255,000 | -312,000 | -383,000 |
| Income tax | -45,000 | -87,000 | -106,000 | -130,000 |
| Net income | -87,000 | -168,000 | -206,000 | -253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,926,000 | 8,845,000 | 9,037,000 | 8,990,000 |
| Total capital | 9,120,000 | 9,091,000 | 9,319,000 | 9,323,000 |
| Risk-weighted assets | 22,749,000 | 26,972,000 | 28,054,000 | 35,164,000 |
Machine access — free, no API key
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