Call reports 2004
PALMYRA STATE BANK — 2004
What PALMYRA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 29,874,000 | 32,188,000 | 32,630,000 | 31,670,000 |
| Total loans | 18,349,000 | 17,678,000 | 16,485,000 | 17,703,000 |
| Allowance for loan losses | 200,000 | 184,000 | 167,000 | 171,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,262,000 | 6,110,000 | 6,396,000 | 6,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,713,000 | 26,958,000 | 27,277,000 | 26,426,000 |
| Interest-bearing deposits | 21,565,000 | 23,365,000 | 23,143,000 | 21,767,000 |
| Noninterest-bearing deposits | 3,148,000 | 3,593,000 | 4,134,000 | 4,659,000 |
| Equity capital | 5,012,000 | 5,114,000 | 5,222,000 | 5,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 350,000 | 690,000 | 1,076,000 | 1,415,000 |
| Interest expense | 81,000 | 157,000 | 230,000 | 303,000 |
| Net interest income | 269,000 | 533,000 | 846,000 | 1,112,000 |
| Noninterest income | 44,000 | 90,000 | 94,000 | 124,000 |
| Noninterest expense | 178,000 | 347,000 | 515,000 | 665,000 |
| Provision for loan losses | 0 | 2,000 | 5,000 | 8,000 |
| Pretax income | 135,000 | 274,000 | 420,000 | 563,000 |
| Income tax | 51,000 | 88,000 | 126,000 | 197,000 |
| Net income | 84,000 | 186,000 | 294,000 | 366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,012,000 | 5,114,000 | 5,222,000 | 5,174,000 |
| Total capital | 5,212,000 | 5,298,000 | 5,389,000 | 5,345,000 |
| Risk-weighted assets | 21,007,000 | 20,747,000 | 20,016,000 | 21,960,000 |
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