Call reports 2009
PALO SAVINGS BANK — 2009
What PALO SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,119,000 | 33,520,000 | 31,931,000 | 31,116,000 |
| Total loans | 16,362,000 | 16,137,000 | 16,235,000 | 16,540,000 |
| Allowance for loan losses | 162,000 | 161,000 | 160,000 | 163,000 |
| Securities available for sale | 9,602,000 | 9,649,000 | 10,249,000 | 9,851,000 |
| Securities held to maturity | 356,000 | 359,000 | 362,000 | 365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,240,000 | 29,619,000 | 27,955,000 | 26,973,000 |
| Interest-bearing deposits | 23,718,000 | 24,609,000 | 23,453,000 | 22,318,000 |
| Noninterest-bearing deposits | 4,522,000 | 5,010,000 | 4,502,000 | 4,655,000 |
| Equity capital | 3,802,000 | 3,806,000 | 3,902,000 | 3,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 858,000 | 1,284,000 | 1,694,000 |
| Interest expense | 118,000 | 228,000 | 328,000 | 419,000 |
| Net interest income | 315,000 | 630,000 | 956,000 | 1,275,000 |
| Noninterest income | 26,000 | 54,000 | 80,000 | 108,000 |
| Noninterest expense | 159,000 | 357,000 | 526,000 | 741,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 182,000 | 327,000 | 510,000 | 639,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 32,000 |
| Net income | 175,000 | 313,000 | 489,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,647,000 | 3,664,000 | 3,638,000 | 3,585,000 |
| Total capital | 3,809,000 | 3,825,000 | 3,798,000 | 3,748,000 |
| Risk-weighted assets | 14,747,000 | 16,087,000 | 14,945,000 | 15,068,000 |