Call reports 2002
PALO SAVINGS BANK — 2002
What PALO SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 25,688,000 | 26,082,000 | 26,428,000 | 27,628,000 |
| Total loans | 18,026,000 | 18,827,000 | 19,083,000 | 18,943,000 |
| Allowance for loan losses | 205,000 | 201,000 | 242,000 | 242,000 |
| Securities available for sale | 4,663,000 | 4,336,000 | 4,322,000 | 4,173,000 |
| Securities held to maturity | 912,000 | 911,000 | 911,000 | 908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,851,000 | 23,266,000 | 23,543,000 | 24,793,000 |
| Interest-bearing deposits | 20,472,000 | 20,852,000 | 21,001,000 | 22,610,000 |
| Noninterest-bearing deposits | 2,379,000 | 2,414,000 | 2,542,000 | 2,183,000 |
| Equity capital | 2,728,000 | 2,709,000 | 2,783,000 | 2,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 862,000 | 1,307,000 | 1,741,000 |
| Interest expense | 149,000 | 295,000 | 440,000 | 587,000 |
| Net interest income | 276,000 | 567,000 | 867,000 | 1,154,000 |
| Noninterest income | 36,000 | 71,000 | 106,000 | 158,000 |
| Noninterest expense | 169,000 | 338,000 | 495,000 | 710,000 |
| Provision for loan losses | 10,000 | 10,000 | 50,000 | 50,000 |
| Pretax income | 133,000 | 291,000 | 429,000 | 553,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 28,000 |
| Net income | 125,000 | 276,000 | 406,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,700,000 | 2,620,000 | 2,681,000 | 2,628,000 |
| Total capital | 2,887,000 | 2,814,000 | 2,883,000 | 2,826,000 |
| Risk-weighted assets | 14,951,000 | 15,530,000 | 16,106,000 | 15,794,000 |