Call reports 2005
PUBLIC SAVINGS BANK — 2005
What PUBLIC SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,518,000 | 27,134,000 | 27,333,000 | 27,135,000 |
| Total loans | 24,264,000 | 25,489,000 | 25,134,000 | 23,828,000 |
| Allowance for loan losses | 133,000 | 128,000 | 130,000 | 136,000 |
| Securities available for sale | 297,000 | 306,000 | 295,000 | 292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,467,000 | 24,816,000 | 25,157,000 | 24,943,000 |
| Interest-bearing deposits | 23,427,000 | 24,769,000 | 25,125,000 | 24,900,000 |
| Noninterest-bearing deposits | 40,000 | 47,000 | 32,000 | 43,000 |
| Equity capital | 2,019,000 | 2,057,000 | 2,110,000 | 2,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 871,000 | 1,339,000 | 1,801,000 |
| Interest expense | 187,000 | 391,000 | 619,000 | 858,000 |
| Net interest income | 234,000 | 480,000 | 720,000 | 943,000 |
| Noninterest income | 205,000 | 499,000 | 863,000 | 1,264,000 |
| Noninterest expense | 429,000 | 924,000 | 1,464,000 | 2,039,000 |
| Provision for loan losses | 0 | 9,000 | 11,000 | 17,000 |
| Pretax income | 10,000 | 46,000 | 108,000 | 151,000 |
| Income tax | 0 | 7,000 | 10,000 | 13,000 |
| Net income | 10,000 | 39,000 | 98,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,025,000 | 2,054,000 | 2,113,000 | 2,153,000 |
| Total capital | 2,158,000 | 2,182,000 | 2,243,000 | 2,289,000 |
| Risk-weighted assets | 14,157,000 | 14,614,000 | 14,703,000 | 14,388,000 |