Call reports 2025
PALO SAVINGS BANK — 2025
What PALO SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 49,235,000 | 48,022,000 | 46,711,000 | 47,291,000 |
| Total loans | 22,216,000 | 21,742,000 | 21,785,000 | 22,803,000 |
| Allowance for loan losses | 229,000 | 223,000 | 223,000 | 223,000 |
| Securities available for sale | 15,976,000 | 14,915,000 | 15,324,000 | 14,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,150,000 | 44,720,000 | 42,917,000 | 43,501,000 |
| Interest-bearing deposits | 35,139,000 | 34,805,000 | 33,687,000 | 34,572,000 |
| Noninterest-bearing deposits | 11,011,000 | 9,915,000 | 9,230,000 | 8,928,000 |
| Equity capital | 2,950,000 | 3,160,000 | 3,663,000 | 3,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 515,000 | 1,062,000 | 1,588,000 | 2,126,000 |
| Interest expense | 204,000 | 408,000 | 595,000 | 774,000 |
| Net interest income | 311,000 | 654,000 | 993,000 | 1,352,000 |
| Noninterest income | 19,000 | 41,000 | 66,000 | 98,000 |
| Noninterest expense | 254,000 | 497,000 | 740,000 | 997,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 198,000 | 319,000 | 453,000 |
| Income tax | 3,000 | 9,000 | 16,000 | 18,000 |
| Net income | 73,000 | 189,000 | 303,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,726,000 | 5,774,000 | 5,847,000 | 5,780,000 |