Call reports 2017
PALO SAVINGS BANK — 2017
What PALO SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 32,399,000 | 32,834,000 | 32,282,000 | 32,847,000 |
| Total loans | 16,343,000 | 16,638,000 | 17,507,000 | 17,633,000 |
| Allowance for loan losses | 187,000 | 179,000 | 200,000 | 200,000 |
| Securities available for sale | 12,971,000 | 14,688,000 | 13,572,000 | 13,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,878,000 | 27,982,000 | 27,596,000 | 28,500,000 |
| Interest-bearing deposits | 21,566,000 | 21,337,000 | 21,504,000 | 22,565,000 |
| Noninterest-bearing deposits | 6,312,000 | 6,645,000 | 6,092,000 | 5,935,000 |
| Equity capital | 4,455,000 | 4,600,000 | 4,515,000 | 4,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 607,000 | 925,000 | 1,250,000 |
| Interest expense | 29,000 | 58,000 | 91,000 | 125,000 |
| Net interest income | 275,000 | 549,000 | 834,000 | 1,125,000 |
| Noninterest income | 22,000 | 45,000 | 72,000 | 103,000 |
| Noninterest expense | 170,000 | 344,000 | 530,000 | 794,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 127,000 | 250,000 | 373,000 | 431,000 |
| Income tax | 7,000 | 15,000 | 22,000 | 22,000 |
| Net income | 120,000 | 235,000 | 351,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,370,000 | 4,393,000 | 4,353,000 | 4,308,000 |
| Total capital | 4,505,000 | 4,532,000 | 4,487,000 | 4,446,000 |
| Risk-weighted assets | 10,754,000 | 11,070,000 | 10,687,000 | 10,965,000 |