Call reports 2012
PALMETTO HERITAGE BANK & TRUST — 2012
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 143,158,000 | 150,071,000 | 147,906,000 | 151,534,000 |
| Total loans | 101,602,000 | 105,353,000 | 108,019,000 | 106,789,000 |
| Allowance for loan losses | 903,000 | 901,000 | 972,000 | 1,299,000 |
| Securities available for sale | 6,479,000 | 7,531,000 | 6,234,000 | 6,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,762,000 | 122,487,000 | 121,038,000 | 124,662,000 |
| Interest-bearing deposits | 113,195,000 | 118,058,000 | 116,552,000 | 120,373,000 |
| Noninterest-bearing deposits | 3,567,000 | 4,429,000 | 4,486,000 | 4,289,000 |
| Equity capital | 12,162,000 | 12,141,000 | 12,145,000 | 12,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,897,000 | 4,372,000 | 5,863,000 |
| Interest expense | 412,000 | 810,000 | 1,193,000 | 1,552,000 |
| Net interest income | 1,011,000 | 2,087,000 | 3,179,000 | 4,311,000 |
| Noninterest income | 56,000 | 114,000 | 216,000 | 300,000 |
| Noninterest expense | 928,000 | 1,866,000 | 2,879,000 | 3,881,000 |
| Provision for loan losses | 140,000 | 370,000 | 540,000 | 678,000 |
| Pretax income | -1,000 | -35,000 | -24,000 | 52,000 |
| Income tax | 0 | -13,000 | -10,000 | 16,000 |
| Net income | -1,000 | -22,000 | -14,000 | 36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,150,000 | 12,129,000 | 12,137,000 | 11,908,000 |
| Total capital | 13,053,000 | 13,030,000 | 13,109,000 | 13,207,000 |
| Risk-weighted assets | 101,194,000 | 104,940,000 | 107,504,000 | 108,603,000 |