Call reports 2003
PERPETUAL SAVINGS BANK — 2003
What PERPETUAL SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,790,000 | 62,388,000 | 61,711,000 | 64,711,000 |
| Total loans | 37,311,000 | 39,596,000 | 38,889,000 | 38,551,000 |
| Allowance for loan losses | 282,000 | 286,000 | 290,000 | 295,000 |
| Securities available for sale | 18,880,000 | 19,853,000 | 19,724,000 | 22,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,088,000 | 48,645,000 | 48,274,000 | 48,560,000 |
| Interest-bearing deposits | 46,450,000 | 46,189,000 | 45,954,000 | 46,188,000 |
| Noninterest-bearing deposits | 2,638,000 | 2,456,000 | 2,320,000 | 2,372,000 |
| Equity capital | 5,789,000 | 6,125,000 | 6,139,000 | 6,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,814,000 | 2,724,000 | 3,587,000 |
| Interest expense | 341,000 | 679,000 | 1,012,000 | 1,350,000 |
| Net interest income | 549,000 | 1,135,000 | 1,712,000 | 2,237,000 |
| Noninterest income | 134,000 | 356,000 | 563,000 | 675,000 |
| Noninterest expense | 403,000 | 810,000 | 1,222,000 | 1,611,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 24,000 |
| Pretax income | 276,000 | 672,000 | 1,039,000 | 1,277,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 276,000 | 672,000 | 1,039,000 | 1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,093,000 | 5,246,000 | 5,412,000 | 5,454,000 |
| Total capital | 5,375,000 | 5,532,000 | 5,702,000 | 5,749,000 |
| Risk-weighted assets | 33,311,000 | 36,198,000 | 37,002,000 | 39,568,000 |