Call reports 2020
PERPETUAL FEDERAL SAVINGS BANK OF URBANA — 2020
What PERPETUAL FEDERAL SAVINGS BANK OF URBANA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 393,506,000 | 393,978,000 | 391,054,000 | 392,001,000 |
| Total loans | 332,990,000 | 338,258,000 | 334,656,000 | 333,739,000 |
| Allowance for loan losses | 5,083,000 | 5,083,000 | 5,083,000 | 5,083,000 |
| Securities available for sale | 3,707,000 | 6,159,000 | 6,088,000 | 8,483,000 |
| Securities held to maturity | 1,017,000 | 1,017,000 | 1,017,000 | 997,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,865,000 | 306,090,000 | 306,523,000 | 306,715,000 |
| Interest-bearing deposits | 303,088,000 | 303,201,000 | 303,361,000 | 302,857,000 |
| Noninterest-bearing deposits | 2,777,000 | 2,889,000 | 3,162,000 | 3,858,000 |
| Equity capital | 77,232,000 | 77,483,000 | 78,088,000 | 78,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,167,000 | 8,140,000 | 12,155,000 | 15,999,000 |
| Interest expense | 1,583,000 | 3,087,000 | 4,549,000 | 5,924,000 |
| Net interest income | 2,584,000 | 5,053,000 | 7,606,000 | 10,075,000 |
| Noninterest income | 15,000 | 73,000 | 119,000 | 180,000 |
| Noninterest expense | 1,080,000 | 2,103,000 | 3,193,000 | 4,253,000 |
| Provision for loan losses | -38,000 | -52,000 | -71,000 | -91,000 |
| Pretax income | 1,557,000 | 3,075,000 | 4,603,000 | 6,093,000 |
| Income tax | 326,000 | 640,000 | 956,000 | 1,261,000 |
| Net income | 1,231,000 | 2,435,000 | 3,647,000 | 4,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,232,000 | 77,200,000 | 77,795,000 | 78,362,000 |
| Total capital | 80,108,000 | 80,144,000 | 80,732,000 | 81,327,000 |
| Risk-weighted assets | 227,940,000 | 233,406,000 | 232,841,000 | 235,123,000 |