Call reports 2005
PALO SAVINGS BANK — 2005
What PALO SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,729,000 | 28,836,000 | 28,961,000 | 28,943,000 |
| Total loans | 18,977,000 | 18,329,000 | 18,469,000 | 18,795,000 |
| Allowance for loan losses | 248,000 | 265,000 | 256,000 | 264,000 |
| Securities available for sale | 7,110,000 | 8,761,000 | 9,044,000 | 8,557,000 |
| Securities held to maturity | 688,000 | 692,000 | 698,000 | 704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,756,000 | 25,805,000 | 25,698,000 | 26,039,000 |
| Interest-bearing deposits | 22,556,000 | 22,353,000 | 22,481,000 | 22,616,000 |
| Noninterest-bearing deposits | 3,200,000 | 3,452,000 | 3,217,000 | 3,423,000 |
| Equity capital | 2,892,000 | 2,949,000 | 2,885,000 | 2,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 817,000 | 1,245,000 | 1,677,000 |
| Interest expense | 117,000 | 238,000 | 368,000 | 504,000 |
| Net interest income | 284,000 | 579,000 | 877,000 | 1,173,000 |
| Noninterest income | 44,000 | 88,000 | 127,000 | 172,000 |
| Noninterest expense | 185,000 | 367,000 | 540,000 | 770,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 35,000 |
| Pretax income | 143,000 | 270,000 | 434,000 | 540,000 |
| Income tax | 7,000 | 14,000 | 20,000 | 24,000 |
| Net income | 136,000 | 256,000 | 414,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,935,000 | 2,961,000 | 2,827,000 | 2,674,000 |
| Total capital | 3,135,000 | 3,155,000 | 3,020,000 | 2,869,000 |
| Risk-weighted assets | 15,975,000 | 15,422,000 | 15,382,000 | 15,542,000 |