Call reports 2013
PALMETTO HERITAGE BANK & TRUST — 2013
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 150,394,000 | 147,586,000 | 145,011,000 | 141,714,000 |
| Total loans | 105,708,000 | 108,072,000 | 106,560,000 | 107,932,000 |
| Allowance for loan losses | 1,119,000 | 1,080,000 | 1,071,000 | 1,151,000 |
| Securities available for sale | 5,572,000 | 5,272,000 | 3,904,000 | 3,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,418,000 | 123,148,000 | 120,987,000 | 114,195,000 |
| Interest-bearing deposits | 119,588,000 | 117,914,000 | 116,407,000 | 108,825,000 |
| Noninterest-bearing deposits | 4,830,000 | 5,234,000 | 4,580,000 | 5,371,000 |
| Equity capital | 12,203,000 | 12,259,000 | 12,341,000 | 12,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,927,000 | 4,368,000 | 5,870,000 |
| Interest expense | 336,000 | 655,000 | 923,000 | 1,175,000 |
| Net interest income | 1,115,000 | 2,272,000 | 3,445,000 | 4,695,000 |
| Noninterest income | -118,000 | -170,000 | -198,000 | -141,000 |
| Noninterest expense | 983,000 | 1,960,000 | 2,916,000 | 3,908,000 |
| Provision for loan losses | 0 | 40,000 | 105,000 | 185,000 |
| Pretax income | 14,000 | 102,000 | 226,000 | 461,000 |
| Income tax | 4,000 | 34,000 | 76,000 | 177,000 |
| Net income | 10,000 | 68,000 | 150,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,036,000 | 12,153,000 | 12,288,000 | 12,471,000 |
| Total capital | 13,155,000 | 13,233,000 | 13,359,000 | 13,622,000 |
| Risk-weighted assets | 107,196,000 | 107,631,000 | 106,208,000 | 106,048,000 |