Call reports 2007
PALO SAVINGS BANK — 2007
What PALO SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,644,000 | 30,824,000 | 31,331,000 | 31,955,000 |
| Total loans | 16,191,000 | 16,320,000 | 16,751,000 | 17,540,000 |
| Allowance for loan losses | 294,000 | 236,000 | 200,000 | 199,000 |
| Securities available for sale | 10,551,000 | 12,162,000 | 12,102,000 | 11,778,000 |
| Securities held to maturity | 673,000 | 679,000 | 685,000 | 691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,371,000 | 27,644,000 | 27,978,000 | 28,553,000 |
| Interest-bearing deposits | 23,563,000 | 23,864,000 | 23,887,000 | 24,395,000 |
| Noninterest-bearing deposits | 3,808,000 | 3,780,000 | 4,091,000 | 4,158,000 |
| Equity capital | 3,153,000 | 3,050,000 | 3,227,000 | 3,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 964,000 | 1,477,000 | 1,964,000 |
| Interest expense | 190,000 | 396,000 | 606,000 | 812,000 |
| Net interest income | 291,000 | 568,000 | 871,000 | 1,152,000 |
| Noninterest income | 35,000 | 68,000 | 110,000 | 153,000 |
| Noninterest expense | 177,000 | 355,000 | 519,000 | 705,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 281,000 | 462,000 | 600,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 30,000 |
| Net income | 142,000 | 267,000 | 441,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,193,000 | 3,209,000 | 3,271,000 | 3,224,000 |
| Total capital | 3,396,000 | 3,397,000 | 3,471,000 | 3,423,000 |
| Risk-weighted assets | 16,138,000 | 14,983,000 | 16,341,000 | 16,951,000 |