Call reports 2010
PALO SAVINGS BANK — 2010
What PALO SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 31,036,000 | 31,111,000 | 30,314,000 | 29,856,000 |
| Total loans | 16,395,000 | 15,952,000 | 15,917,000 | 15,855,000 |
| Allowance for loan losses | 166,000 | 169,000 | 172,000 | 175,000 |
| Securities available for sale | 9,396,000 | 9,920,000 | 9,346,000 | 9,005,000 |
| Securities held to maturity | 369,000 | 887,000 | 890,000 | 894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,992,000 | 26,995,000 | 26,091,000 | 25,796,000 |
| Interest-bearing deposits | 22,662,000 | 22,504,000 | 21,215,000 | 21,027,000 |
| Noninterest-bearing deposits | 4,330,000 | 4,491,000 | 4,876,000 | 4,769,000 |
| Equity capital | 3,979,000 | 4,057,000 | 4,160,000 | 4,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 383,000 | 762,000 | 1,144,000 | 1,495,000 |
| Interest expense | 86,000 | 166,000 | 237,000 | 305,000 |
| Net interest income | 297,000 | 596,000 | 907,000 | 1,190,000 |
| Noninterest income | 24,000 | 58,000 | 89,000 | 133,000 |
| Noninterest expense | 179,000 | 345,000 | 507,000 | 722,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 139,000 | 303,000 | 480,000 | 589,000 |
| Income tax | 9,000 | 19,000 | 29,000 | 30,000 |
| Net income | 130,000 | 284,000 | 451,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,715,000 | 3,762,000 | 3,736,000 | 3,683,000 |
| Total capital | 3,881,000 | 3,931,000 | 3,908,000 | 3,858,000 |
| Risk-weighted assets | 14,949,000 | 14,606,000 | 14,391,000 | 14,337,000 |
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