Call reports 2003
BANK OF PALMER — 2003
What BANK OF PALMER reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,873,000 | 22,518,000 | 23,019,000 | 23,814,000 |
| Total loans | 14,205,000 | 14,694,000 | 14,067,000 | 14,318,000 |
| Allowance for loan losses | 211,000 | 213,000 | 212,000 | 213,000 |
| Securities available for sale | 6,034,000 | 6,840,000 | 6,834,000 | 7,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,641,000 | 20,138,000 | 20,675,000 | 21,555,000 |
| Interest-bearing deposits | 18,757,000 | 18,449,000 | 18,666,000 | 19,422,000 |
| Noninterest-bearing deposits | 1,884,000 | 1,689,000 | 2,009,000 | 2,133,000 |
| Equity capital | 1,669,000 | 1,753,000 | 1,722,000 | 1,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 311,000 | 627,000 | 938,000 | 1,245,000 |
| Interest expense | 152,000 | 296,000 | 431,000 | 567,000 |
| Net interest income | 159,000 | 331,000 | 507,000 | 678,000 |
| Noninterest income | 26,000 | 50,000 | 79,000 | 111,000 |
| Noninterest expense | 160,000 | 302,000 | 451,000 | 630,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 6,000 |
| Pretax income | 23,000 | 76,000 | 139,000 | 162,000 |
| Income tax | 1,000 | 9,000 | 22,000 | 29,000 |
| Net income | 22,000 | 67,000 | 117,000 | 133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,629,000 | 1,672,000 | 1,715,000 | 1,731,000 |
| Total capital | 1,816,000 | 1,862,000 | 1,900,000 | 1,920,000 |
| Risk-weighted assets | 14,943,000 | 15,135,000 | 14,750,000 | 15,094,000 |
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