Call reports 2003
PALMYRA STATE BANK — 2003
What PALMYRA STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 28,512,000 | 29,549,000 | 30,636,000 | 33,338,000 |
| Total loans | 19,036,000 | 18,509,000 | 17,827,000 | 18,065,000 |
| Allowance for loan losses | 202,000 | 203,000 | 200,000 | 199,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,250,000 | 4,600,000 | 4,156,000 | 5,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,584,000 | 24,584,000 | 25,546,000 | 28,332,000 |
| Interest-bearing deposits | 19,854,000 | 20,594,000 | 21,663,000 | 23,881,000 |
| Noninterest-bearing deposits | 3,730,000 | 3,990,000 | 3,883,000 | 4,451,000 |
| Equity capital | 4,762,000 | 4,856,000 | 4,953,000 | 4,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 776,000 | 1,158,000 | 1,512,000 |
| Interest expense | 105,000 | 206,000 | 299,000 | 384,000 |
| Net interest income | 293,000 | 570,000 | 859,000 | 1,128,000 |
| Noninterest income | 36,000 | 69,000 | 94,000 | 124,000 |
| Noninterest expense | 164,000 | 317,000 | 482,000 | 628,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 322,000 | 471,000 | 624,000 |
| Income tax | 63,000 | 126,000 | 178,000 | 236,000 |
| Net income | 102,000 | 196,000 | 293,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,762,000 | 4,856,000 | 4,953,000 | 4,928,000 |
| Total capital | 4,964,000 | 5,059,000 | 5,153,000 | 5,127,000 |
| Risk-weighted assets | 20,823,000 | 23,955,000 | 19,816,000 | 21,337,000 |
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