Call reports 2012
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2012
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 370,274,000 | 366,787,000 | 364,096,000 | 357,914,000 |
| Total loans | 304,153,000 | 307,141,000 | 299,182,000 | 291,485,000 |
| Allowance for loan losses | 4,522,000 | 4,503,000 | 4,524,000 | 4,543,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,498,000 | 287,281,000 | 290,198,000 | 286,438,000 |
| Interest-bearing deposits | 289,596,000 | 285,691,000 | 288,215,000 | 284,525,000 |
| Noninterest-bearing deposits | 1,902,000 | 1,590,000 | 1,983,000 | 1,913,000 |
| Equity capital | 57,165,000 | 57,945,000 | 58,365,000 | 58,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,452,000 | 8,821,000 | 13,255,000 | 17,441,000 |
| Interest expense | 1,636,000 | 3,086,000 | 4,408,000 | 5,678,000 |
| Net interest income | 2,816,000 | 5,735,000 | 8,847,000 | 11,763,000 |
| Noninterest income | 28,000 | 56,000 | 73,000 | 108,000 |
| Noninterest expense | 950,000 | 1,882,000 | 3,376,000 | 4,600,000 |
| Provision for loan losses | 239,000 | 479,000 | 847,000 | 1,121,000 |
| Pretax income | 1,655,000 | 3,430,000 | 4,697,000 | 6,150,000 |
| Income tax | 559,000 | 1,159,000 | 1,586,000 | 2,077,000 |
| Net income | 1,096,000 | 2,271,000 | 3,111,000 | 4,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,165,000 | 57,945,000 | 58,365,000 | 58,487,000 |
| Total capital | 60,453,000 | 61,229,000 | 61,493,000 | 61,520,000 |
| Risk-weighted assets | 261,810,000 | 261,526,000 | 248,855,000 | 241,114,000 |