Call reports 2012
PALMETTO BANK, THE — 2012
What PALMETTO BANK, THE 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 | 1,214,371,000 | 1,181,524,000 | 1,140,085,000 | 1,145,939,000 |
| Total loans | 779,230,000 | 742,221,000 | 744,824,000 | 745,172,000 |
| Allowance for loan losses | 23,388,000 | 18,278,000 | 18,338,000 | 17,825,000 |
| Securities available for sale | 269,841,000 | 247,400,000 | 290,805,000 | 264,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,075,977,000 | 1,063,925,000 | 1,017,296,000 | 1,023,906,000 |
| Interest-bearing deposits | 900,468,000 | 883,851,000 | 839,591,000 | 843,994,000 |
| Noninterest-bearing deposits | 175,509,000 | 180,074,000 | 177,705,000 | 179,912,000 |
| Equity capital | 101,544,000 | 89,591,000 | 93,746,000 | 98,275,000 |
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 | 12,025,000 | 23,447,000 | 34,523,000 | 45,391,000 |
| Interest expense | 1,394,000 | 2,733,000 | 3,960,000 | 5,169,000 |
| Net interest income | 10,631,000 | 20,714,000 | 30,563,000 | 40,222,000 |
| Noninterest income | 2,701,000 | -2,077,000 | 1,975,000 | 5,238,000 |
| Noninterest expense | 10,677,000 | 21,004,000 | 31,540,000 | 41,896,000 |
| Provision for loan losses | 2,700,000 | 11,150,000 | 11,750,000 | 13,075,000 |
| Pretax income | -45,000 | -3,658,000 | -893,000 | 983,000 |
| Income tax | 517,000 | 4,028,000 | 3,592,000 | 2,721,000 |
| Net income | -562,000 | -7,686,000 | -4,485,000 | -1,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,759,000 | 98,547,000 | 101,990,000 | 104,993,000 |
| Total capital | 115,645,000 | 108,722,000 | 112,240,000 | 115,077,000 |
| Risk-weighted assets | 858,103,000 | 805,714,000 | 811,483,000 | 798,647,000 |