Call reports 2015
PALO SAVINGS BANK — 2015
What PALO SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 32,814,000 | 31,923,000 | 31,618,000 | 32,197,000 |
| Total loans | 18,285,000 | 18,454,000 | 18,487,000 | 18,924,000 |
| Allowance for loan losses | 192,000 | 192,000 | 192,000 | 189,000 |
| Securities available for sale | 12,010,000 | 11,641,000 | 11,615,000 | 11,438,000 |
| Securities held to maturity | 105,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,302,000 | 27,488,000 | 26,364,000 | 27,151,000 |
| Interest-bearing deposits | 23,388,000 | 22,248,000 | 21,303,000 | 21,384,000 |
| Noninterest-bearing deposits | 4,914,000 | 5,240,000 | 5,061,000 | 5,767,000 |
| Equity capital | 4,443,000 | 4,367,000 | 4,415,000 | 4,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 649,000 | 977,000 | 1,304,000 |
| Interest expense | 26,000 | 53,000 | 78,000 | 104,000 |
| Net interest income | 299,000 | 596,000 | 899,000 | 1,200,000 |
| Noninterest income | 27,000 | 48,000 | 71,000 | 102,000 |
| Noninterest expense | 157,000 | 303,000 | 456,000 | 656,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 185,000 | 357,000 | 530,000 | 657,000 |
| Income tax | 9,000 | 18,000 | 26,000 | 33,000 |
| Net income | 176,000 | 339,000 | 504,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,206,000 | 4,231,000 | 4,228,000 | 4,148,000 |
| Total capital | 4,340,000 | 4,364,000 | 4,364,000 | 4,285,000 |
| Risk-weighted assets | 10,670,000 | 10,588,000 | 10,869,000 | 10,928,000 |