Call reports 2013
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2013
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 359,469,000 | 355,716,000 | 351,608,000 | 346,785,000 |
| Total loans | 289,824,000 | 287,199,000 | 289,872,000 | 289,835,000 |
| Allowance for loan losses | 4,551,000 | 4,574,000 | 4,598,000 | 4,650,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,639,000 | 287,746,000 | 283,017,000 | 276,968,000 |
| Interest-bearing deposits | 285,814,000 | 285,369,000 | 280,642,000 | 274,167,000 |
| Noninterest-bearing deposits | 1,825,000 | 2,377,000 | 2,375,000 | 2,801,000 |
| Equity capital | 59,239,000 | 59,587,000 | 60,208,000 | 60,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,004,000 | 7,975,000 | 11,796,000 | 15,694,000 |
| Interest expense | 1,173,000 | 2,316,000 | 3,372,000 | 4,393,000 |
| Net interest income | 2,831,000 | 5,659,000 | 8,424,000 | 11,301,000 |
| Noninterest income | 64,000 | 99,000 | 123,000 | 156,000 |
| Noninterest expense | 960,000 | 2,502,000 | 3,484,000 | 4,400,000 |
| Provision for loan losses | 166,000 | 326,000 | 563,000 | 820,000 |
| Pretax income | 1,769,000 | 2,930,000 | 4,500,000 | 6,237,000 |
| Income tax | 598,000 | 990,000 | 1,519,000 | 2,106,000 |
| Net income | 1,171,000 | 1,940,000 | 2,981,000 | 4,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,239,000 | 59,587,000 | 60,208,000 | 60,914,000 |
| Total capital | 62,210,000 | 62,525,000 | 63,156,000 | 63,842,000 |
| Risk-weighted assets | 236,118,000 | 233,402,000 | 234,190,000 | 232,526,000 |