Call reports 2003
PALO SAVINGS BANK — 2003
What PALO SAVINGS BANK 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 | 28,163,000 | 28,790,000 | 28,055,000 | 28,181,000 |
| Total loans | 18,816,000 | 19,215,000 | 19,501,000 | 19,035,000 |
| Allowance for loan losses | 243,000 | 258,000 | 258,000 | 258,000 |
| Securities available for sale | 5,869,000 | 7,546,000 | 6,524,000 | 7,322,000 |
| Securities held to maturity | 905,000 | 696,000 | 693,000 | 694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,253,000 | 25,927,000 | 25,181,000 | 25,349,000 |
| Interest-bearing deposits | 22,730,000 | 23,083,000 | 22,165,000 | 22,741,000 |
| Noninterest-bearing deposits | 2,523,000 | 2,844,000 | 3,016,000 | 2,608,000 |
| Equity capital | 2,814,000 | 2,771,000 | 2,784,000 | 2,752,000 |
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 | 412,000 | 827,000 | 1,215,000 | 1,614,000 |
| Interest expense | 142,000 | 278,000 | 406,000 | 529,000 |
| Net interest income | 270,000 | 549,000 | 809,000 | 1,085,000 |
| Noninterest income | 41,000 | 71,000 | 116,000 | 175,000 |
| Noninterest expense | 170,000 | 342,000 | 507,000 | 724,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 15,000 |
| Pretax income | 141,000 | 263,000 | 403,000 | 511,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 26,000 |
| Net income | 133,000 | 248,000 | 380,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,761,000 | 2,649,000 | 2,733,000 | 2,705,000 |
| Total capital | 2,962,000 | 2,850,000 | 2,940,000 | 2,911,000 |
| Risk-weighted assets | 16,063,000 | 16,033,000 | 16,513,000 | 16,435,000 |