Call reports 2012
PALO SAVINGS BANK — 2012
What PALO SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,391,000 | 33,152,000 | 32,038,000 | 32,547,000 |
| Total loans | 16,013,000 | 15,931,000 | 15,710,000 | 16,303,000 |
| Allowance for loan losses | 192,000 | 193,000 | 193,000 | 193,000 |
| Securities available for sale | 10,564,000 | 11,368,000 | 12,273,000 | 11,901,000 |
| Securities held to maturity | 813,000 | 310,000 | 310,000 | 310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,781,000 | 28,583,000 | 27,444,000 | 28,064,000 |
| Interest-bearing deposits | 22,238,000 | 23,186,000 | 22,155,000 | 22,622,000 |
| Noninterest-bearing deposits | 5,543,000 | 5,397,000 | 5,289,000 | 5,442,000 |
| Equity capital | 4,559,000 | 4,515,000 | 4,543,000 | 4,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 338,000 | 660,000 | 983,000 | 1,302,000 |
| Interest expense | 59,000 | 115,000 | 166,000 | 212,000 |
| Net interest income | 279,000 | 545,000 | 817,000 | 1,090,000 |
| Noninterest income | 27,000 | 58,000 | 83,000 | 115,000 |
| Noninterest expense | 148,000 | 299,000 | 445,000 | 633,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 153,000 | 299,000 | 450,000 | 567,000 |
| Income tax | 6,000 | 13,000 | 21,000 | 29,000 |
| Net income | 147,000 | 286,000 | 429,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,914,000 | 3,935,000 | 3,925,000 | 3,850,000 |
| Total capital | 4,106,000 | 4,128,000 | 4,118,000 | 4,043,000 |
| Risk-weighted assets | 15,057,000 | 15,143,000 | 15,413,000 | 15,610,000 |