Call reports 2015
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2015
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 351,442,000 | 352,350,000 | 352,661,000 | 362,813,000 |
| Total loans | 303,339,000 | 313,340,000 | 316,813,000 | 321,804,000 |
| Allowance for loan losses | 5,088,000 | 5,107,000 | 5,124,000 | 4,210,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,016,000 | 1,016,000 | 1,016,000 | 1,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,228,000 | 280,498,000 | 280,005,000 | 283,896,000 |
| Interest-bearing deposits | 278,110,000 | 277,846,000 | 278,026,000 | 281,536,000 |
| Noninterest-bearing deposits | 2,118,000 | 2,652,000 | 1,979,000 | 2,360,000 |
| Equity capital | 62,705,000 | 63,452,000 | 64,255,000 | 64,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,854,000 | 7,497,000 | 11,277,000 | 15,060,000 |
| Interest expense | 965,000 | 1,939,000 | 2,937,000 | 3,975,000 |
| Net interest income | 2,889,000 | 5,558,000 | 8,340,000 | 11,085,000 |
| Noninterest income | 18,000 | 41,000 | 56,000 | 80,000 |
| Noninterest expense | 890,000 | 1,735,000 | 2,521,000 | 3,428,000 |
| Provision for loan losses | 61,000 | 67,000 | 116,000 | 166,000 |
| Pretax income | 1,956,000 | 3,797,000 | 5,759,000 | 7,571,000 |
| Income tax | 665,000 | 1,289,000 | 1,955,000 | 2,569,000 |
| Net income | 1,291,000 | 2,508,000 | 3,804,000 | 5,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,705,000 | 63,452,000 | 64,255,000 | 64,251,000 |
| Total capital | 65,813,000 | 66,661,000 | 67,466,000 | 67,189,000 |
| Risk-weighted assets | 246,683,000 | 254,835,000 | 255,005,000 | 233,375,000 |