Call reports 2014
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2014
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 346,711,000 | 345,573,000 | 345,974,000 | 349,143,000 |
| Total loans | 294,029,000 | 292,705,000 | 291,570,000 | 297,402,000 |
| Allowance for loan losses | 4,718,000 | 4,830,000 | 4,978,000 | 5,036,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,919,000 | 276,777,000 | 276,161,000 | 278,329,000 |
| Interest-bearing deposits | 276,468,000 | 275,454,000 | 274,250,000 | 275,652,000 |
| Noninterest-bearing deposits | 2,451,000 | 1,323,000 | 1,911,000 | 2,677,000 |
| Equity capital | 59,435,000 | 60,413,000 | 61,153,000 | 61,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,781,000 | 7,631,000 | 11,352,000 | 15,070,000 |
| Interest expense | 972,000 | 1,939,000 | 2,913,000 | 3,885,000 |
| Net interest income | 2,809,000 | 5,692,000 | 8,439,000 | 11,185,000 |
| Noninterest income | 15,000 | 32,000 | 59,000 | 80,000 |
| Noninterest expense | 880,000 | 1,755,000 | 2,582,000 | 3,433,000 |
| Provision for loan losses | 3,516,000 | 3,384,000 | 3,536,000 | 3,633,000 |
| Pretax income | -1,572,000 | 585,000 | 2,380,000 | 4,199,000 |
| Income tax | -538,000 | 196,000 | 807,000 | 1,426,000 |
| Net income | -1,034,000 | 389,000 | 1,573,000 | 2,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,435,000 | 60,413,000 | 61,153,000 | 61,883,000 |
| Total capital | 62,421,000 | 63,361,000 | 64,073,000 | 64,928,000 |
| Risk-weighted assets | 237,131,000 | 233,970,000 | 231,510,000 | 241,624,000 |