Call reports 2005
PALMETTO BANK, THE — 2005
What PALMETTO BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,022,298,000 | 1,051,592,000 | 1,064,580,000 | 1,074,553,000 |
| Total loans | 808,283,000 | 831,691,000 | 848,825,000 | 871,002,000 |
| Allowance for loan losses | 7,838,000 | 8,051,000 | 8,356,000 | 8,431,000 |
| Securities available for sale | 138,385,000 | 134,121,000 | 124,412,000 | 125,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 851,384,000 | 878,748,000 | 894,124,000 | 922,737,000 |
| Interest-bearing deposits | 726,294,000 | 746,983,000 | 759,758,000 | 790,368,000 |
| Noninterest-bearing deposits | 125,090,000 | 131,765,000 | 134,366,000 | 132,369,000 |
| Equity capital | 80,711,000 | 83,766,000 | 85,850,000 | 87,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 14,289,000 | 29,785,000 | 46,040,000 | 62,783,000 |
| Interest expense | 3,476,000 | 7,421,000 | 12,207,000 | 17,278,000 |
| Net interest income | 10,813,000 | 22,364,000 | 33,833,000 | 45,505,000 |
| Noninterest income | 3,713,000 | 7,715,000 | 11,626,000 | 15,638,000 |
| Noninterest expense | 8,853,000 | 18,485,000 | 28,281,000 | 38,103,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 5,127,000 | 10,463,000 | 15,459,000 | 20,722,000 |
| Income tax | 1,717,000 | 3,505,000 | 5,178,000 | 6,942,000 |
| Net income | 3,410,000 | 6,958,000 | 10,281,000 | 13,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,551,000 | 80,106,000 | 82,447,000 | 84,841,000 |
| Total capital | 85,389,000 | 88,157,000 | 90,803,000 | 93,272,000 |
| Risk-weighted assets | 837,622,000 | 873,304,000 | 890,684,000 | 916,207,000 |