Call reports 2008
PALMETTO HERITAGE BANK & TRUST — 2008
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 71,688,000 | 78,881,000 | 92,036,000 | 97,539,000 |
| Total loans | 55,856,000 | 60,095,000 | 71,439,000 | 74,837,000 |
| Allowance for loan losses | 454,000 | 481,000 | 529,000 | 574,000 |
| Securities available for sale | 5,082,000 | 5,025,000 | 9,997,000 | 6,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,440,000 | 57,581,000 | 65,196,000 | 70,249,000 |
| Interest-bearing deposits | 54,662,000 | 55,292,000 | 62,726,000 | 67,150,000 |
| Noninterest-bearing deposits | 1,778,000 | 2,289,000 | 2,470,000 | 3,099,000 |
| Equity capital | 10,337,000 | 11,362,000 | 11,525,000 | 11,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 955,000 | 1,914,000 | 3,049,000 | 4,205,000 |
| Interest expense | 607,000 | 1,196,000 | 1,895,000 | 2,621,000 |
| Net interest income | 348,000 | 718,000 | 1,154,000 | 1,584,000 |
| Noninterest income | 118,000 | 223,000 | 354,000 | 462,000 |
| Noninterest expense | 466,000 | 993,000 | 1,562,000 | 2,118,000 |
| Provision for loan losses | 27,000 | 54,000 | 102,000 | 147,000 |
| Pretax income | -27,000 | -106,000 | -156,000 | -219,000 |
| Income tax | -9,000 | -36,000 | -53,000 | -75,000 |
| Net income | -18,000 | -70,000 | -103,000 | -144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,283,000 | 11,347,000 | 11,514,000 | 11,473,000 |
| Total capital | 10,737,000 | 11,828,000 | 12,043,000 | 12,047,000 |
| Risk-weighted assets | 58,235,000 | 62,914,000 | 67,522,000 | 72,666,000 |
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