Call reports 2007
PUBLIC SAVINGS BANK — 2007
What PUBLIC SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 29,918,000 | 30,070,000 | 33,225,000 | 35,448,000 |
| Total loans | 15,735,000 | 18,746,000 | 23,960,000 | 28,162,000 |
| Allowance for loan losses | 125,000 | 170,000 | 143,000 | 143,000 |
| Securities available for sale | 4,065,000 | 3,838,000 | 3,744,000 | 2,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,876,000 | 26,060,000 | 29,248,000 | 30,677,000 |
| Interest-bearing deposits | 25,850,000 | 25,862,000 | 28,882,000 | 30,347,000 |
| Noninterest-bearing deposits | 26,000 | 198,000 | 366,000 | 330,000 |
| Equity capital | 4,014,000 | 3,889,000 | 3,924,000 | 4,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,338,000 | 2,061,000 | 2,870,000 |
| Interest expense | 312,000 | 623,000 | 952,000 | 1,331,000 |
| Net interest income | 350,000 | 715,000 | 1,109,000 | 1,539,000 |
| Noninterest income | 0 | 2,000 | 2,000 | -22,000 |
| Noninterest expense | 276,000 | 630,000 | 1,093,000 | 1,587,000 |
| Provision for loan losses | 15,000 | 60,000 | 33,000 | 33,000 |
| Pretax income | 59,000 | 27,000 | -15,000 | -101,000 |
| Income tax | 0 | 10,000 | -8,000 | -35,000 |
| Net income | 59,000 | 17,000 | -7,000 | -66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,222,000 | 3,180,000 | 3,156,000 | 3,703,000 |
| Total capital | 3,347,000 | 3,350,000 | 3,299,000 | 3,846,000 |
| Risk-weighted assets | 14,150,000 | 15,100,000 | 19,628,000 | 23,215,000 |