Call reports 2009
PALMYRA STATE BANK — 2009
What PALMYRA STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 33,879,000 | 34,615,000 | 34,431,000 | 36,474,000 |
| Total loans | 19,264,000 | 19,516,000 | 19,310,000 | 19,348,000 |
| Allowance for loan losses | 212,000 | 214,000 | 215,000 | 214,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,254,000 | 8,774,000 | 10,841,000 | 11,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,486,000 | 28,106,000 | 27,846,000 | 29,952,000 |
| Interest-bearing deposits | 23,888,000 | 24,213,000 | 24,039,000 | 25,591,000 |
| Noninterest-bearing deposits | 3,598,000 | 3,893,000 | 3,807,000 | 4,361,000 |
| Equity capital | 6,231,000 | 6,320,000 | 6,409,000 | 6,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 827,000 | 1,217,000 | 1,605,000 |
| Interest expense | 124,000 | 242,000 | 355,000 | 454,000 |
| Net interest income | 283,000 | 585,000 | 862,000 | 1,151,000 |
| Noninterest income | 37,000 | 73,000 | 113,000 | 167,000 |
| Noninterest expense | 220,000 | 437,000 | 632,000 | 806,000 |
| Provision for loan losses | 2,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 98,000 | 218,000 | 340,000 | 509,000 |
| Income tax | 28,000 | 59,000 | 92,000 | 140,000 |
| Net income | 70,000 | 159,000 | 248,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,231,000 | 6,320,000 | 6,409,000 | 6,410,000 |
| Total capital | 6,443,000 | 6,534,000 | 6,624,000 | 6,624,000 |
| Risk-weighted assets | 25,098,000 | 23,585,000 | 23,318,000 | 23,904,000 |