Call reports 2016
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2016
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 373,362,000 | 387,363,000 | 386,898,000 | 390,874,000 |
| Total loans | 332,714,000 | 338,076,000 | 333,845,000 | 337,687,000 |
| Allowance for loan losses | 4,304,000 | 4,339,000 | 4,773,000 | 4,830,000 |
| 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 | 293,732,000 | 299,366,000 | 300,296,000 | 303,389,000 |
| Interest-bearing deposits | 291,758,000 | 297,490,000 | 298,599,000 | 301,181,000 |
| Noninterest-bearing deposits | 1,974,000 | 1,876,000 | 1,697,000 | 2,208,000 |
| Equity capital | 65,741,000 | 66,542,000 | 67,200,000 | 67,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,022,000 | 8,047,000 | 12,020,000 | 16,031,000 |
| Interest expense | 1,092,000 | 2,259,000 | 3,460,000 | 4,663,000 |
| Net interest income | 2,930,000 | 5,788,000 | 8,560,000 | 11,368,000 |
| Noninterest income | 31,000 | 38,000 | 61,000 | 72,000 |
| Noninterest expense | 994,000 | 1,862,000 | 2,879,000 | 3,750,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 1,932,000 | 3,929,000 | 5,707,000 | 7,655,000 |
| Income tax | 655,000 | 1,332,000 | 1,935,000 | 2,595,000 |
| Net income | 1,277,000 | 2,597,000 | 3,772,000 | 5,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,157,000 | 65,958,000 | 65,997,000 | 67,944,000 |
| Total capital | 68,202,000 | 69,012,000 | 69,010,000 | 70,983,000 |
| Risk-weighted assets | 242,185,000 | 242,806,000 | 238,834,000 | 241,398,000 |