Call reports 2014
PALMYRA STATE BANK — 2014
What PALMYRA STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 42,669,000 | 39,072,000 | 38,758,000 | 40,288,000 |
| Total loans | 13,194,000 | 12,439,000 | 12,274,000 | 12,663,000 |
| Allowance for loan losses | 199,000 | 207,000 | 207,000 | 172,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,042,000 | 21,926,000 | 22,252,000 | 21,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,404,000 | 31,757,000 | 31,397,000 | 33,053,000 |
| Interest-bearing deposits | 29,543,000 | 25,986,000 | 26,506,000 | 27,255,000 |
| Noninterest-bearing deposits | 5,861,000 | 5,771,000 | 4,891,000 | 5,798,000 |
| Equity capital | 7,069,000 | 7,104,000 | 7,127,000 | 6,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 220,000 | 442,000 | 652,000 | 866,000 |
| Interest expense | 26,000 | 51,000 | 74,000 | 98,000 |
| Net interest income | 194,000 | 391,000 | 578,000 | 768,000 |
| Noninterest income | 32,000 | 65,000 | 97,000 | 129,000 |
| Noninterest expense | 196,000 | 388,000 | 582,000 | 837,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 68,000 | 93,000 | 60,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 28,000 | 63,000 | 86,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,069,000 | 7,104,000 | 7,127,000 | 6,991,000 |
| Total capital | 7,268,000 | 7,311,000 | 7,334,000 | 7,163,000 |
| Risk-weighted assets | 19,854,000 | 18,397,000 | 18,297,000 | 18,908,000 |