Call reports 2015
PALMETTO HERITAGE BANK & TRUST — 2015
What PALMETTO HERITAGE BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 146,587,000 | 146,866,000 | 145,074,000 | 143,863,000 |
| Total loans | 108,894,000 | 109,893,000 | 108,036,000 | 109,652,000 |
| Allowance for loan losses | 1,055,000 | 1,059,000 | 1,059,000 | 1,034,000 |
| Securities available for sale | 3,423,000 | 3,879,000 | 3,832,000 | 6,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,924,000 | 114,959,000 | 113,288,000 | 111,783,000 |
| Interest-bearing deposits | 109,962,000 | 109,099,000 | 107,207,000 | 106,408,000 |
| Noninterest-bearing deposits | 4,962,000 | 5,860,000 | 6,081,000 | 5,375,000 |
| Equity capital | 13,906,000 | 14,066,000 | 14,299,000 | 14,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,465,000 | 2,937,000 | 4,427,000 | 5,943,000 |
| Interest expense | 256,000 | 515,000 | 769,000 | 1,020,000 |
| Net interest income | 1,209,000 | 2,422,000 | 3,658,000 | 4,923,000 |
| Noninterest income | 158,000 | 192,000 | 351,000 | 489,000 |
| Noninterest expense | 990,000 | 1,989,000 | 3,018,000 | 3,986,000 |
| Provision for loan losses | 13,000 | 13,000 | 13,000 | 33,000 |
| Pretax income | 364,000 | 612,000 | 978,000 | 1,393,000 |
| Income tax | 131,000 | 221,000 | 352,000 | 507,000 |
| Net income | 233,000 | 391,000 | 626,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,833,000 | 14,045,000 | 14,299,000 | 14,520,000 |
| Total capital | 14,888,000 | 15,104,000 | 15,358,000 | 15,554,000 |
| Risk-weighted assets | 107,037,000 | 106,551,000 | 105,007,000 | 110,634,000 |