Call reports 2001
PALO SAVINGS BANK — 2001
What PALO SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 23,968,000 | 23,908,000 | 24,678,000 | 25,762,000 |
| Total loans | 15,590,000 | 15,905,000 | 16,346,000 | 17,830,000 |
| Allowance for loan losses | 182,000 | 181,000 | 181,000 | 195,000 |
| Securities available for sale | 4,528,000 | 5,048,000 | 4,781,000 | 5,217,000 |
| Securities held to maturity | 1,137,000 | 936,000 | 933,000 | 915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,237,000 | 21,158,000 | 21,819,000 | 23,052,000 |
| Interest-bearing deposits | 19,175,000 | 18,987,000 | 19,641,000 | 20,707,000 |
| Noninterest-bearing deposits | 2,062,000 | 2,171,000 | 2,178,000 | 2,345,000 |
| Equity capital | 2,600,000 | 2,616,000 | 2,729,000 | 2,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 941,000 | 1,394,000 | 1,842,000 |
| Interest expense | 212,000 | 422,000 | 617,000 | 791,000 |
| Net interest income | 261,000 | 519,000 | 777,000 | 1,051,000 |
| Noninterest income | 31,000 | 68,000 | 102,000 | 139,000 |
| Noninterest expense | 158,000 | 311,000 | 472,000 | 675,000 |
| Provision for loan losses | 0 | 0 | 0 | 14,000 |
| Pretax income | 134,000 | 276,000 | 407,000 | 501,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 26,000 |
| Net income | 126,000 | 260,000 | 383,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,544,000 | 2,584,000 | 2,661,000 | 2,574,000 |
| Total capital | 2,713,000 | 2,758,000 | 2,829,000 | 2,769,000 |
| Risk-weighted assets | 13,627,000 | 13,940,000 | 13,394,000 | 18,743,000 |