Call reports 2018
PALO SAVINGS BANK — 2018
What PALO SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 33,052,000 | 32,675,000 | 31,411,000 | 32,833,000 |
| Total loans | 17,073,000 | 16,675,000 | 16,986,000 | 17,306,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Securities available for sale | 13,038,000 | 12,730,000 | 12,055,000 | 12,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,719,000 | 28,405,000 | 27,245,000 | 28,587,000 |
| Interest-bearing deposits | 22,996,000 | 22,544,000 | 21,821,000 | 22,683,000 |
| Noninterest-bearing deposits | 5,723,000 | 5,861,000 | 5,424,000 | 5,904,000 |
| Equity capital | 4,260,000 | 4,214,000 | 4,104,000 | 4,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 321,000 | 639,000 | 955,000 | 1,274,000 |
| Interest expense | 37,000 | 78,000 | 121,000 | 167,000 |
| Net interest income | 284,000 | 561,000 | 834,000 | 1,107,000 |
| Noninterest income | 93,000 | 134,000 | 155,000 | 181,000 |
| Noninterest expense | 175,000 | 342,000 | 516,000 | 744,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 353,000 | 473,000 | 544,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 28,000 |
| Net income | 194,000 | 337,000 | 450,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,502,000 | 4,512,000 | 4,484,000 | 3,935,000 |
| Total capital | 4,641,000 | 4,655,000 | 4,657,000 | 4,122,000 |
| Risk-weighted assets | 11,045,000 | 11,398,000 | 13,813,000 | 14,970,000 |