Call reports 2015
BANK OF PALMER — 2015
What BANK OF PALMER reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 44,313,000 | 42,209,000 | 41,867,000 | 44,371,000 |
| Total loans | 21,009,000 | 21,394,000 | 22,233,000 | 22,753,000 |
| Allowance for loan losses | 420,000 | 424,000 | 427,000 | 460,000 |
| Securities available for sale | 22,101,000 | 20,076,000 | 17,699,000 | 19,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,508,000 | 36,513,000 | 36,334,000 | 39,051,000 |
| Interest-bearing deposits | 34,676,000 | 32,867,000 | 32,704,000 | 31,588,000 |
| Noninterest-bearing deposits | 3,832,000 | 3,646,000 | 3,630,000 | 7,463,000 |
| Equity capital | 3,979,000 | 3,859,000 | 3,947,000 | 4,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 796,000 | 1,169,000 | 1,544,000 |
| Interest expense | 76,000 | 152,000 | 225,000 | 295,000 |
| Net interest income | 328,000 | 644,000 | 944,000 | 1,249,000 |
| Noninterest income | 18,000 | 32,000 | 47,000 | 62,000 |
| Noninterest expense | 253,000 | 504,000 | 748,000 | 1,001,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 42,000 |
| Pretax income | 91,000 | 198,000 | 275,000 | 309,000 |
| Income tax | 14,000 | 35,000 | 46,000 | 31,000 |
| Net income | 77,000 | 163,000 | 229,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,855,000 | 3,941,000 | 3,957,000 | 4,006,000 |
| Total capital | 4,157,000 | 4,236,000 | 4,261,000 | 4,320,000 |
| Risk-weighted assets | 24,061,000 | 23,510,000 | 24,195,000 | 25,019,000 |