Call reports 2009
PUBLIC SAVINGS BANK — 2009
What PUBLIC SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 50,207,000 | 46,825,000 | 53,346,000 | 51,473,000 |
| Total loans | 36,164,000 | 37,130,000 | 38,299,000 | 38,890,000 |
| Allowance for loan losses | 248,000 | 375,000 | 343,000 | 692,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,524,000 | 42,154,000 | 48,557,000 | 48,363,000 |
| Interest-bearing deposits | 36,894,000 | 36,494,000 | 38,544,000 | 36,320,000 |
| Noninterest-bearing deposits | 8,630,000 | 5,660,000 | 10,013,000 | 12,043,000 |
| Equity capital | 4,518,000 | 4,525,000 | 4,663,000 | 2,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,660,000 | 2,381,000 | 3,094,000 |
| Interest expense | 340,000 | 646,000 | 905,000 | 1,146,000 |
| Net interest income | 456,000 | 1,014,000 | 1,476,000 | 1,948,000 |
| Noninterest income | 56,000 | 211,000 | 503,000 | 342,000 |
| Noninterest expense | 464,000 | 1,035,000 | 1,773,000 | 3,404,000 |
| Provision for loan losses | 17,000 | 143,000 | 187,000 | 529,000 |
| Pretax income | 31,000 | 47,000 | 19,000 | -1,643,000 |
| Income tax | 11,000 | 20,000 | 7,000 | 131,000 |
| Net income | 20,000 | 27,000 | 12,000 | -1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,493,000 | 3,485,000 | 3,582,000 | 2,867,000 |
| Total capital | 3,741,000 | 3,860,000 | 3,925,000 | 3,305,000 |
| Risk-weighted assets | 29,729,000 | 29,656,000 | 30,635,000 | 34,473,000 |