Call reports 2005
PALMYRA STATE BANK — 2005
What PALMYRA STATE BANK 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 | 28,949,000 | 30,078,000 | 31,511,000 | 31,513,000 |
| Total loans | 17,537,000 | 17,478,000 | 17,366,000 | 17,148,000 |
| Allowance for loan losses | 177,000 | 176,000 | 175,000 | 184,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,763,000 | 6,906,000 | 5,302,000 | 7,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,535,000 | 24,581,000 | 25,909,000 | 25,980,000 |
| Interest-bearing deposits | 19,987,000 | 20,144,000 | 21,916,000 | 22,047,000 |
| Noninterest-bearing deposits | 3,548,000 | 4,437,000 | 3,993,000 | 3,933,000 |
| Equity capital | 5,261,000 | 5,346,000 | 5,452,000 | 5,416,000 |
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 | 363,000 | 736,000 | 1,114,000 | 1,509,000 |
| Interest expense | 82,000 | 175,000 | 279,000 | 393,000 |
| Net interest income | 281,000 | 561,000 | 835,000 | 1,116,000 |
| Noninterest income | 32,000 | 62,000 | 95,000 | 124,000 |
| Noninterest expense | 183,000 | 364,000 | 528,000 | 688,000 |
| Provision for loan losses | 5,000 | 8,000 | 11,000 | 14,000 |
| Pretax income | 125,000 | 251,000 | 391,000 | 538,000 |
| Income tax | 38,000 | 79,000 | 113,000 | 176,000 |
| Net income | 87,000 | 172,000 | 278,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,261,000 | 5,346,000 | 5,452,000 | 5,416,000 |
| Total capital | 5,437,000 | 5,522,000 | 5,627,000 | 5,600,000 |
| Risk-weighted assets | 21,850,000 | 22,136,000 | 21,590,000 | 22,083,000 |
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