Call reports 2006
PALO SAVINGS BANK — 2006
What PALO SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,405,000 | 29,623,000 | 28,787,000 | 30,145,000 |
| Total loans | 18,194,000 | 18,017,000 | 17,843,000 | 16,662,000 |
| Allowance for loan losses | 264,000 | 264,000 | 294,000 | 294,000 |
| Securities available for sale | 8,460,000 | 9,316,000 | 8,561,000 | 10,889,000 |
| Securities held to maturity | 709,000 | 655,000 | 661,000 | 667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,368,000 | 26,614,000 | 25,725,000 | 27,045,000 |
| Interest-bearing deposits | 22,954,000 | 23,299,000 | 22,422,000 | 23,298,000 |
| Noninterest-bearing deposits | 3,414,000 | 3,315,000 | 3,303,000 | 3,747,000 |
| Equity capital | 2,945,000 | 2,909,000 | 2,956,000 | 2,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 438,000 | 904,000 | 1,379,000 | 1,867,000 |
| Interest expense | 141,000 | 301,000 | 468,000 | 653,000 |
| Net interest income | 297,000 | 603,000 | 911,000 | 1,214,000 |
| Noninterest income | 30,000 | 64,000 | 99,000 | 138,000 |
| Noninterest expense | 178,000 | 350,000 | 531,000 | 746,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 149,000 | 317,000 | 449,000 | 576,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 28,000 |
| Net income | 143,000 | 305,000 | 431,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,809,000 | 3,122,000 | 3,058,000 | 3,052,000 |
| Total capital | 3,000,000 | 3,322,000 | 3,262,000 | 3,244,000 |
| Risk-weighted assets | 14,961,000 | 15,945,000 | 16,238,000 | 15,227,000 |
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