Call reports 2004
PALO SAVINGS BANK — 2004
What PALO SAVINGS BANK 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 | 28,939,000 | 29,028,000 | 28,340,000 | 28,103,000 |
| Total loans | 18,846,000 | 19,817,000 | 19,550,000 | 19,294,000 |
| Allowance for loan losses | 258,000 | 258,000 | 266,000 | 290,000 |
| Securities available for sale | 7,478,000 | 7,757,000 | 7,378,000 | 6,500,000 |
| Securities held to maturity | 698,000 | 676,000 | 679,000 | 684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,947,000 | 26,127,000 | 25,122,000 | 25,202,000 |
| Interest-bearing deposits | 23,295,000 | 23,355,000 | 22,344,000 | 22,230,000 |
| Noninterest-bearing deposits | 2,652,000 | 2,772,000 | 2,778,000 | 2,972,000 |
| Equity capital | 2,919,000 | 2,826,000 | 2,892,000 | 2,820,000 |
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 | 386,000 | 793,000 | 1,201,000 | 1,606,000 |
| Interest expense | 117,000 | 233,000 | 348,000 | 461,000 |
| Net interest income | 269,000 | 560,000 | 853,000 | 1,145,000 |
| Noninterest income | 46,000 | 91,000 | 141,000 | 212,000 |
| Noninterest expense | 179,000 | 351,000 | 524,000 | 761,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 32,000 |
| Pretax income | 136,000 | 300,000 | 462,000 | 564,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 29,000 |
| Net income | 129,000 | 286,000 | 441,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,834,000 | 2,883,000 | 2,842,000 | 2,799,000 |
| Total capital | 3,031,000 | 3,093,000 | 3,046,000 | 3,002,000 |
| Risk-weighted assets | 15,738,000 | 16,725,000 | 16,223,000 | 16,161,000 |