Call reports 2019
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2019
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 392,015,000 | 391,257,000 | 391,660,000 | 395,246,000 |
| Total loans | 352,189,000 | 354,757,000 | 343,988,000 | 335,078,000 |
| 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 | 302,410,000 | 305,390,000 | 305,475,000 | 308,046,000 |
| Interest-bearing deposits | 299,661,000 | 302,981,000 | 303,324,000 | 305,508,000 |
| Noninterest-bearing deposits | 2,749,000 | 2,409,000 | 2,151,000 | 2,538,000 |
| Equity capital | 74,617,000 | 74,886,000 | 75,722,000 | 76,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,389,000 | 8,829,000 | 13,243,000 | 17,630,000 |
| Interest expense | 1,442,000 | 2,990,000 | 4,585,000 | 6,200,000 |
| Net interest income | 2,947,000 | 5,839,000 | 8,658,000 | 11,430,000 |
| Noninterest income | 9,000 | 17,000 | 27,000 | 36,000 |
| Noninterest expense | 931,000 | 1,957,000 | 3,009,000 | 3,996,000 |
| Provision for loan losses | -28,000 | -56,000 | -87,000 | -175,000 |
| Pretax income | 2,053,000 | 3,955,000 | 5,763,000 | 7,645,000 |
| Income tax | 430,000 | 828,000 | 1,207,000 | 1,601,000 |
| Net income | 1,623,000 | 3,127,000 | 4,556,000 | 6,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,617,000 | 74,886,000 | 75,722,000 | 76,618,000 |
| Total capital | 77,634,000 | 77,917,000 | 78,616,000 | 79,458,000 |
| Risk-weighted assets | 239,354,000 | 240,476,000 | 229,390,000 | 224,967,000 |