Call reports 2011
PALO SAVINGS BANK — 2011
What PALO SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,334,000 | 31,243,000 | 31,346,000 | 31,097,000 |
| Total loans | 15,178,000 | 15,898,000 | 16,148,000 | 16,887,000 |
| Allowance for loan losses | 178,000 | 188,000 | 188,000 | 187,000 |
| Securities available for sale | 8,848,000 | 11,010,000 | 11,158,000 | 10,734,000 |
| Securities held to maturity | 898,000 | 802,000 | 805,000 | 809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,146,000 | 26,891,000 | 26,849,000 | 26,692,000 |
| Interest-bearing deposits | 22,643,000 | 22,041,000 | 21,727,000 | 21,001,000 |
| Noninterest-bearing deposits | 4,503,000 | 4,850,000 | 5,122,000 | 5,691,000 |
| Equity capital | 4,131,000 | 4,295,000 | 4,437,000 | 4,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 677,000 | 1,026,000 | 1,378,000 |
| Interest expense | 65,000 | 128,000 | 190,000 | 250,000 |
| Net interest income | 271,000 | 549,000 | 836,000 | 1,128,000 |
| Noninterest income | 26,000 | 56,000 | 91,000 | 124,000 |
| Noninterest expense | 171,000 | 337,000 | 491,000 | 659,000 |
| Provision for loan losses | 3,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 123,000 | 255,000 | 423,000 | 580,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 29,000 |
| Net income | 115,000 | 239,000 | 399,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,798,000 | 3,827,000 | 3,825,000 | 3,767,000 |
| Total capital | 3,978,000 | 4,015,000 | 4,012,000 | 3,954,000 |
| Risk-weighted assets | 14,390,000 | 14,765,000 | 14,954,000 | 15,456,000 |