Call reports 2008
PALMYRA STATE BANK — 2008
What PALMYRA STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 33,570,000 | 32,960,000 | 32,868,000 | 35,568,000 |
| Total loans | 19,715,000 | 20,088,000 | 20,788,000 | 19,802,000 |
| Allowance for loan losses | 190,000 | 194,000 | 201,000 | 209,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,204,000 | 9,685,000 | 7,930,000 | 7,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,393,000 | 26,727,000 | 26,537,000 | 29,292,000 |
| Interest-bearing deposits | 23,471,000 | 22,192,000 | 22,782,000 | 25,216,000 |
| Noninterest-bearing deposits | 3,922,000 | 4,535,000 | 3,755,000 | 4,076,000 |
| Equity capital | 5,951,000 | 6,020,000 | 6,100,000 | 6,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 924,000 | 1,370,000 | 1,798,000 |
| Interest expense | 183,000 | 331,000 | 498,000 | 640,000 |
| Net interest income | 302,000 | 593,000 | 872,000 | 1,158,000 |
| Noninterest income | 36,000 | 69,000 | 103,000 | 137,000 |
| Noninterest expense | 201,000 | 413,000 | 595,000 | 764,000 |
| Provision for loan losses | 4,000 | 7,000 | 12,000 | 19,000 |
| Pretax income | 133,000 | 242,000 | 368,000 | 512,000 |
| Income tax | 48,000 | 88,000 | 134,000 | 153,000 |
| Net income | 85,000 | 154,000 | 234,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,951,000 | 6,020,000 | 6,100,000 | 6,105,000 |
| Total capital | 6,141,000 | 6,214,000 | 6,301,000 | 6,314,000 |
| Risk-weighted assets | 24,584,000 | 24,670,000 | 23,909,000 | 23,864,000 |
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