Call reports 2008
PALO SAVINGS BANK — 2008
What PALO SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,702,000 | 32,540,000 | 31,807,000 | 31,485,000 |
| Total loans | 16,599,000 | 16,442,000 | 17,204,000 | 17,923,000 |
| Allowance for loan losses | 199,000 | 181,000 | 163,000 | 171,000 |
| Securities available for sale | 9,872,000 | 11,241,000 | 10,198,000 | 9,902,000 |
| Securities held to maturity | 698,000 | 704,000 | 710,000 | 717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,051,000 | 28,924,000 | 28,249,000 | 27,840,000 |
| Interest-bearing deposits | 24,925,000 | 23,966,000 | 23,478,000 | 23,265,000 |
| Noninterest-bearing deposits | 4,126,000 | 4,958,000 | 4,771,000 | 4,575,000 |
| Equity capital | 3,536,000 | 3,516,000 | 3,470,000 | 3,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 945,000 | 1,410,000 | 1,894,000 |
| Interest expense | 199,000 | 373,000 | 511,000 | 635,000 |
| Net interest income | 282,000 | 572,000 | 899,000 | 1,259,000 |
| Noninterest income | 34,000 | 67,000 | 89,000 | 118,000 |
| Noninterest expense | 152,000 | 356,000 | 553,000 | 786,000 |
| Provision for loan losses | 0 | 45,000 | 65,000 | 100,000 |
| Pretax income | 164,000 | 238,000 | 370,000 | 491,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 25,000 |
| Net income | 157,000 | 224,000 | 349,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,381,000 | 3,355,000 | 3,480,000 | 3,473,000 |
| Total capital | 3,580,000 | 3,536,000 | 3,643,000 | 3,644,000 |
| Risk-weighted assets | 19,578,000 | 17,918,000 | 16,760,000 | 15,966,000 |