Call reports 2011
PALMETTO HERITAGE BANK & TRUST — 2011
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 137,031,000 | 139,881,000 | 142,151,000 | 143,920,000 |
| Total loans | 97,616,000 | 98,740,000 | 99,418,000 | 100,054,000 |
| Allowance for loan losses | 830,000 | 853,000 | 853,000 | 901,000 |
| Securities available for sale | 8,479,000 | 7,922,000 | 7,500,000 | 7,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,267,000 | 113,122,000 | 115,430,000 | 117,215,000 |
| Interest-bearing deposits | 106,319,000 | 109,959,000 | 111,913,000 | 113,794,000 |
| Noninterest-bearing deposits | 2,948,000 | 3,163,000 | 3,517,000 | 3,421,000 |
| Equity capital | 12,218,000 | 12,213,000 | 12,188,000 | 12,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,415,000 | 2,884,000 | 4,322,000 | 5,763,000 |
| Interest expense | 520,000 | 1,014,000 | 1,495,000 | 1,946,000 |
| Net interest income | 895,000 | 1,870,000 | 2,827,000 | 3,817,000 |
| Noninterest income | 113,000 | 223,000 | 339,000 | 408,000 |
| Noninterest expense | 857,000 | 1,745,000 | 2,631,000 | 3,582,000 |
| Provision for loan losses | 234,000 | 454,000 | 682,000 | 815,000 |
| Pretax income | -83,000 | -106,000 | -147,000 | -172,000 |
| Income tax | -28,000 | -36,000 | -50,000 | -58,000 |
| Net income | -55,000 | -70,000 | -97,000 | -114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,210,000 | 12,194,000 | 12,168,000 | 12,151,000 |
| Total capital | 13,040,000 | 13,048,000 | 13,021,000 | 13,052,000 |
| Risk-weighted assets | 107,838,000 | 107,024,000 | 107,707,000 | 107,156,000 |