Call reports 2004
BANK OF PALMER — 2004
What BANK OF PALMER reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,350,000 | 23,974,000 | 24,024,000 | 24,002,000 |
| Total loans | 13,707,000 | 14,322,000 | 14,664,000 | 15,263,000 |
| Allowance for loan losses | 215,000 | 216,000 | 218,000 | 216,000 |
| Securities available for sale | 8,420,000 | 8,692,000 | 8,440,000 | 7,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,072,000 | 21,791,000 | 21,650,000 | 21,284,000 |
| Interest-bearing deposits | 19,976,000 | 19,766,000 | 19,757,000 | 19,017,000 |
| Noninterest-bearing deposits | 2,096,000 | 2,025,000 | 1,893,000 | 2,267,000 |
| Equity capital | 1,812,000 | 1,694,000 | 1,840,000 | 1,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 612,000 | 938,000 | 1,263,000 |
| Interest expense | 135,000 | 268,000 | 404,000 | 535,000 |
| Net interest income | 169,000 | 344,000 | 534,000 | 728,000 |
| Noninterest income | 24,000 | 53,000 | 77,000 | 105,000 |
| Noninterest expense | 173,000 | 318,000 | 479,000 | 641,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 19,000 | 77,000 | 120,000 | 179,000 |
| Income tax | 3,000 | 16,000 | 20,000 | 24,000 |
| Net income | 16,000 | 61,000 | 100,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,740,000 | 1,785,000 | 1,816,000 | 1,871,000 |
| Total capital | 1,924,000 | 1,974,000 | 2,008,000 | 2,068,000 |
| Risk-weighted assets | 14,664,000 | 15,077,000 | 15,352,000 | 15,747,000 |
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