Call reports 2018
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2018
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 394,980,000 | 400,936,000 | 394,833,000 | 390,168,000 |
| Total loans | 349,309,000 | 349,020,000 | 348,941,000 | 350,189,000 |
| Allowance for loan losses | 5,083,000 | 5,083,000 | 5,083,000 | 5,083,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,017,000 | 1,017,000 | 1,017,000 | 1,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,313,000 | 315,947,000 | 308,723,000 | 302,759,000 |
| Interest-bearing deposits | 307,001,000 | 313,368,000 | 306,352,000 | 300,372,000 |
| Noninterest-bearing deposits | 3,312,000 | 2,579,000 | 2,371,000 | 2,387,000 |
| Equity capital | 71,248,000 | 71,544,000 | 72,589,000 | 73,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,311,000 | 8,537,000 | 13,004,000 | 17,373,000 |
| Interest expense | 1,265,000 | 2,568,000 | 3,925,000 | 5,319,000 |
| Net interest income | 3,046,000 | 5,969,000 | 9,079,000 | 12,054,000 |
| Noninterest income | 10,000 | 17,000 | 31,000 | 45,000 |
| Noninterest expense | 1,021,000 | 1,977,000 | 3,061,000 | 4,108,000 |
| Provision for loan losses | -31,000 | -84,000 | -178,000 | -217,000 |
| Pretax income | 2,066,000 | 4,093,000 | 6,227,000 | 8,208,000 |
| Income tax | 505,000 | 1,000,000 | 1,521,000 | 1,936,000 |
| Net income | 1,561,000 | 3,093,000 | 4,706,000 | 6,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,248,000 | 71,544,000 | 72,589,000 | 73,587,000 |
| Total capital | 74,237,000 | 74,556,000 | 75,567,000 | 76,597,000 |
| Risk-weighted assets | 237,060,000 | 238,911,000 | 236,207,000 | 238,778,000 |