Call reports 2007
PALMETTO HERITAGE BANK & TRUST — 2007
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 52,679,000 | 60,752,000 | 62,979,000 | 63,636,000 |
| Total loans | 39,515,000 | 42,451,000 | 47,955,000 | 48,158,000 |
| Allowance for loan losses | 353,000 | 374,000 | 400,000 | 427,000 |
| Securities available for sale | 2,996,000 | 5,496,000 | 4,502,000 | 6,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,357,000 | 48,145,000 | 50,274,000 | 50,911,000 |
| Interest-bearing deposits | 39,340,000 | 46,364,000 | 48,484,000 | 49,149,000 |
| Noninterest-bearing deposits | 2,017,000 | 1,781,000 | 1,790,000 | 1,761,000 |
| Equity capital | 8,998,000 | 10,249,000 | 10,290,000 | 10,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,739,000 | 2,786,000 | 3,822,000 |
| Interest expense | 452,000 | 992,000 | 1,604,000 | 2,227,000 |
| Net interest income | 345,000 | 747,000 | 1,182,000 | 1,595,000 |
| Noninterest income | 131,000 | 236,000 | 336,000 | 427,000 |
| Noninterest expense | 440,000 | 878,000 | 1,331,000 | 1,791,000 |
| Provision for loan losses | 20,000 | 41,000 | 67,000 | 94,000 |
| Pretax income | 16,000 | 64,000 | 120,000 | 137,000 |
| Income tax | 5,000 | 22,000 | 41,000 | 47,000 |
| Net income | 11,000 | 42,000 | 79,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,001,000 | 10,253,000 | 10,289,000 | 10,300,000 |
| Total capital | 9,354,000 | 10,627,000 | 10,689,000 | 10,727,000 |
| Risk-weighted assets | 41,963,000 | 44,585,000 | 50,284,000 | 50,583,000 |
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