Call reports 2013
PALO SAVINGS BANK — 2013
What PALO SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 34,117,000 | 33,823,000 | 32,108,000 | 32,537,000 |
| Total loans | 15,432,000 | 15,166,000 | 16,816,000 | 17,486,000 |
| Allowance for loan losses | 193,000 | 193,000 | 193,000 | 192,000 |
| Securities available for sale | 13,596,000 | 14,448,000 | 12,894,000 | 12,850,000 |
| Securities held to maturity | 310,000 | 210,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,465,000 | 29,309,000 | 28,123,000 | 27,903,000 |
| Interest-bearing deposits | 24,135,000 | 23,904,000 | 22,984,000 | 22,512,000 |
| Noninterest-bearing deposits | 5,330,000 | 5,405,000 | 5,139,000 | 5,391,000 |
| Equity capital | 4,603,000 | 4,448,000 | 3,830,000 | 3,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 305,000 | 604,000 | 910,000 | 1,237,000 |
| Interest expense | 44,000 | 85,000 | 124,000 | 160,000 |
| Net interest income | 261,000 | 519,000 | 786,000 | 1,077,000 |
| Noninterest income | 27,000 | 58,000 | 86,000 | 118,000 |
| Noninterest expense | 152,000 | 303,000 | 461,000 | 655,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 136,000 | 274,000 | 441,000 | 570,000 |
| Income tax | 5,000 | 12,000 | 20,000 | 27,000 |
| Net income | 131,000 | 262,000 | 421,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,982,000 | 4,011,000 | 4,010,000 | 3,930,000 |
| Total capital | 4,175,000 | 4,204,000 | 4,203,000 | 4,122,000 |
| Risk-weighted assets | 15,469,000 | 15,614,000 | 16,333,000 | 16,758,000 |