Call reports 2016
PALO SAVINGS BANK — 2016
What PALO SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 32,182,000 | 32,846,000 | 32,344,000 | 32,176,000 |
| Total loans | 17,349,000 | 17,627,000 | 17,901,000 | 17,363,000 |
| Allowance for loan losses | 187,000 | 187,000 | 187,000 | 187,000 |
| Securities available for sale | 11,484,000 | 11,273,000 | 11,809,000 | 11,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,525,000 | 28,030,000 | 27,567,000 | 27,852,000 |
| Interest-bearing deposits | 21,806,000 | 21,874,000 | 21,317,000 | 21,545,000 |
| Noninterest-bearing deposits | 5,719,000 | 6,156,000 | 6,250,000 | 6,307,000 |
| Equity capital | 4,589,000 | 4,755,000 | 4,718,000 | 4,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 321,000 | 631,000 | 946,000 | 1,258,000 |
| Interest expense | 26,000 | 54,000 | 82,000 | 111,000 |
| Net interest income | 295,000 | 577,000 | 864,000 | 1,147,000 |
| Noninterest income | 22,000 | 43,000 | 66,000 | 92,000 |
| Noninterest expense | 154,000 | 302,000 | 464,000 | 675,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 163,000 | 318,000 | 466,000 | 564,000 |
| Income tax | 9,000 | 17,000 | 26,000 | 29,000 |
| Net income | 154,000 | 301,000 | 440,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,302,000 | 4,332,000 | 4,314,000 | 4,250,000 |
| Total capital | 4,440,000 | 4,468,000 | 4,449,000 | 4,391,000 |
| Risk-weighted assets | 11,003,000 | 10,842,000 | 10,744,000 | 11,230,000 |