Call reports 2012
PALMYRA STATE BANK — 2012
What PALMYRA STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 41,008,000 | 38,432,000 | 38,629,000 | 42,826,000 |
| Total loans | 16,750,000 | 16,251,000 | 16,689,000 | 16,765,000 |
| Allowance for loan losses | 214,000 | 213,000 | 214,000 | 215,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,510,000 | 16,776,000 | 18,200,000 | 17,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,930,000 | 31,273,000 | 31,392,000 | 35,643,000 |
| Interest-bearing deposits | 28,354,000 | 26,756,000 | 27,232,000 | 30,606,000 |
| Noninterest-bearing deposits | 5,576,000 | 4,517,000 | 4,161,000 | 5,037,000 |
| Equity capital | 6,918,000 | 6,978,000 | 7,023,000 | 6,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 289,000 | 571,000 | 833,000 | 1,103,000 |
| Interest expense | 46,000 | 89,000 | 128,000 | 165,000 |
| Net interest income | 243,000 | 482,000 | 705,000 | 938,000 |
| Noninterest income | 39,000 | 82,000 | 122,000 | 161,000 |
| Noninterest expense | 213,000 | 422,000 | 634,000 | 820,000 |
| Provision for loan losses | 0 | 2,000 | 5,000 | 8,000 |
| Pretax income | 69,000 | 140,000 | 188,000 | 271,000 |
| Income tax | 9,000 | 20,000 | 23,000 | 28,000 |
| Net income | 60,000 | 120,000 | 165,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,918,000 | 6,978,000 | 7,023,000 | 6,981,000 |
| Total capital | 7,132,000 | 7,191,000 | 7,237,000 | 7,196,000 |
| Risk-weighted assets | 21,440,000 | 20,388,000 | 20,170,000 | 21,122,000 |