Call reports 2008
PUBLIC SAVINGS BANK — 2008
What PUBLIC SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,862,000 | 44,991,000 | 47,580,000 | 46,975,000 |
| Total loans | 31,401,000 | 34,660,000 | 36,880,000 | 37,962,000 |
| Allowance for loan losses | 160,000 | 167,000 | 201,000 | 232,000 |
| Securities available for sale | 2,524,000 | 2,359,000 | 2,285,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,036,000 | 40,362,000 | 43,011,000 | 42,350,000 |
| Interest-bearing deposits | 35,643,000 | 37,202,000 | 39,601,000 | 38,222,000 |
| Noninterest-bearing deposits | 2,393,000 | 3,160,000 | 3,410,000 | 4,128,000 |
| Equity capital | 4,694,000 | 4,516,000 | 4,423,000 | 4,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,674,000 | 2,579,000 | 3,391,000 |
| Interest expense | 383,000 | 765,000 | 1,181,000 | 1,564,000 |
| Net interest income | 452,000 | 909,000 | 1,398,000 | 1,827,000 |
| Noninterest income | -8,000 | -1,000 | 12,000 | 144,000 |
| Noninterest expense | 527,000 | 1,046,000 | 1,611,000 | 2,144,000 |
| Provision for loan losses | 17,000 | 24,000 | 61,000 | 108,000 |
| Pretax income | -100,000 | -162,000 | -262,000 | -278,000 |
| Income tax | 0 | 0 | 0 | -97,000 |
| Net income | -100,000 | -162,000 | -262,000 | -181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,827,000 | 3,683,000 | 3,584,000 | 3,463,000 |
| Total capital | 3,987,000 | 3,850,000 | 3,785,000 | 3,695,000 |
| Risk-weighted assets | 25,195,000 | 26,935,000 | 29,265,000 | 30,632,000 |