Call reports 2014
PALO SAVINGS BANK — 2014
What PALO SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 32,484,000 | 33,178,000 | 32,795,000 | 33,515,000 |
| Total loans | 17,052,000 | 17,290,000 | 17,787,000 | 18,301,000 |
| Allowance for loan losses | 191,000 | 191,000 | 192,000 | 192,000 |
| Securities available for sale | 12,943,000 | 12,992,000 | 12,869,000 | 12,902,000 |
| Securities held to maturity | 210,000 | 105,000 | 105,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,244,000 | 28,753,000 | 27,397,000 | 29,045,000 |
| Interest-bearing deposits | 23,291,000 | 23,292,000 | 22,079,000 | 22,889,000 |
| Noninterest-bearing deposits | 4,953,000 | 5,461,000 | 5,318,000 | 6,156,000 |
| Equity capital | 4,172,000 | 4,357,000 | 4,378,000 | 4,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 644,000 | 970,000 | 1,309,000 |
| Interest expense | 34,000 | 67,000 | 95,000 | 123,000 |
| Net interest income | 291,000 | 577,000 | 875,000 | 1,186,000 |
| Noninterest income | 40,000 | 66,000 | 94,000 | 125,000 |
| Noninterest expense | 165,000 | 316,000 | 475,000 | 670,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 327,000 | 494,000 | 641,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 32,000 |
| Net income | 159,000 | 313,000 | 473,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,089,000 | 4,115,000 | 4,109,000 | 4,030,000 |
| Total capital | 4,280,000 | 4,306,000 | 4,301,000 | 4,222,000 |
| Risk-weighted assets | 16,358,000 | 16,600,000 | 16,793,000 | 17,414,000 |