Call reports 2022
PALO SAVINGS BANK — 2022
What PALO SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 48,194,000 | 46,393,000 | 44,640,000 | 45,815,000 |
| Total loans | 20,289,000 | 21,315,000 | 22,265,000 | 23,050,000 |
| Allowance for loan losses | 206,000 | 216,000 | 228,000 | 229,000 |
| Securities available for sale | 20,429,000 | 18,462,000 | 17,612,000 | 17,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,332,000 | 44,140,000 | 42,817,000 | 43,962,000 |
| Interest-bearing deposits | 33,665,000 | 32,890,000 | 34,241,000 | 34,961,000 |
| Noninterest-bearing deposits | 10,667,000 | 11,250,000 | 8,576,000 | 9,001,000 |
| Equity capital | 3,785,000 | 2,183,000 | 1,638,000 | 1,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 737,000 | 1,140,000 | 1,557,000 |
| Interest expense | 48,000 | 85,000 | 130,000 | 189,000 |
| Net interest income | 309,000 | 652,000 | 1,010,000 | 1,368,000 |
| Noninterest income | 27,000 | 54,000 | 81,000 | 111,000 |
| Noninterest expense | 215,000 | 448,000 | 699,000 | 936,000 |
| Provision for loan losses | 8,000 | 18,000 | 30,000 | 30,000 |
| Pretax income | 113,000 | 240,000 | 362,000 | 513,000 |
| Income tax | 6,000 | 13,000 | 22,000 | 26,000 |
| Net income | 107,000 | 227,000 | 340,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,279,000 | 5,313,000 | 5,376,000 | 5,373,000 |