Call reports 2006
PALMYRA STATE BANK — 2006
What PALMYRA STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,608,000 | 29,193,000 | 31,205,000 | 31,952,000 |
| Total loans | 16,862,000 | 16,580,000 | 16,709,000 | 17,029,000 |
| Allowance for loan losses | 184,000 | 187,000 | 190,000 | 190,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,925,000 | 8,493,000 | 8,515,000 | 8,476,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,926,000 | 23,443,000 | 25,375,000 | 26,206,000 |
| Interest-bearing deposits | 20,347,000 | 20,113,000 | 21,737,000 | 22,445,000 |
| Noninterest-bearing deposits | 3,579,000 | 3,330,000 | 3,638,000 | 3,761,000 |
| Equity capital | 5,526,000 | 5,587,000 | 5,652,000 | 5,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 395,000 | 793,000 | 1,213,000 | 1,639,000 |
| Interest expense | 123,000 | 255,000 | 402,000 | 559,000 |
| Net interest income | 272,000 | 538,000 | 811,000 | 1,080,000 |
| Noninterest income | 28,000 | 58,000 | 87,000 | 121,000 |
| Noninterest expense | 186,000 | 363,000 | 553,000 | 716,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 9,000 |
| Pretax income | 111,000 | 227,000 | 336,000 | 476,000 |
| Income tax | 1,000 | 56,000 | 100,000 | 136,000 |
| Net income | 110,000 | 171,000 | 236,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,526,000 | 5,587,000 | 5,652,000 | 5,636,000 |
| Total capital | 5,710,000 | 5,774,000 | 5,842,000 | 5,826,000 |
| Risk-weighted assets | 21,548,000 | 21,388,000 | 21,964,000 | 21,433,000 |
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