Call reports 2019
PALO SAVINGS BANK — 2019
What PALO SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 34,570,000 | 35,463,000 | 38,634,000 | 39,480,000 |
| Total loans | 16,965,000 | 17,939,000 | 18,452,000 | 19,365,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Securities available for sale | 12,219,000 | 11,949,000 | 12,300,000 | 11,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,092,000 | 30,784,000 | 33,825,000 | 34,622,000 |
| Interest-bearing deposits | 24,175,000 | 24,809,000 | 27,960,000 | 28,884,000 |
| Noninterest-bearing deposits | 5,917,000 | 5,975,000 | 5,865,000 | 5,738,000 |
| Equity capital | 4,411,000 | 4,616,000 | 4,730,000 | 4,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 319,000 | 660,000 | 1,011,000 | 1,367,000 |
| Interest expense | 57,000 | 130,000 | 225,000 | 329,000 |
| Net interest income | 262,000 | 530,000 | 786,000 | 1,038,000 |
| Noninterest income | 31,000 | 57,000 | 80,000 | 111,000 |
| Noninterest expense | 221,000 | 422,000 | 626,000 | 839,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 163,000 | 238,000 | 308,000 |
| Income tax | 3,000 | 8,000 | 12,000 | 15,000 |
| Net income | 67,000 | 155,000 | 226,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,332,000 | 4,533,000 | 4,584,000 | 4,632,000 |
| Total capital | 4,532,000 | 4,733,000 | 4,784,000 | 4,832,000 |
| Risk-weighted assets | 16,492,000 | 15,965,000 | 19,552,000 | 17,351,000 |