Call reports 2009
PALMETTO HERITAGE BANK & TRUST — 2009
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 106,621,000 | 110,150,000 | 119,036,000 | 118,333,000 |
| Total loans | 80,111,000 | 84,501,000 | 87,670,000 | 89,520,000 |
| Allowance for loan losses | 606,000 | 626,000 | 671,000 | 721,000 |
| Securities available for sale | 6,945,000 | 7,896,000 | 7,455,000 | 7,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,599,000 | 82,336,000 | 92,249,000 | 92,616,000 |
| Interest-bearing deposits | 76,701,000 | 79,748,000 | 88,627,000 | 89,369,000 |
| Noninterest-bearing deposits | 1,898,000 | 2,588,000 | 3,622,000 | 3,247,000 |
| Equity capital | 12,485,000 | 12,223,000 | 12,261,000 | 12,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,154,000 | 2,401,000 | 3,714,000 | 5,041,000 |
| Interest expense | 722,000 | 1,456,000 | 2,159,000 | 2,807,000 |
| Net interest income | 432,000 | 945,000 | 1,555,000 | 2,234,000 |
| Noninterest income | 119,000 | 233,000 | 364,000 | 493,000 |
| Noninterest expense | 607,000 | 1,286,000 | 1,911,000 | 2,656,000 |
| Provision for loan losses | 45,000 | 365,000 | 410,000 | 588,000 |
| Pretax income | -101,000 | -473,000 | -402,000 | -517,000 |
| Income tax | -34,000 | -161,000 | -137,000 | -210,000 |
| Net income | -67,000 | -312,000 | -265,000 | -307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,442,000 | 12,195,000 | 12,243,000 | 12,201,000 |
| Total capital | 13,048,000 | 12,821,000 | 12,914,000 | 12,922,000 |
| Risk-weighted assets | 82,989,000 | 86,346,000 | 90,962,000 | 93,230,000 |
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