Call reports 2004
PERPETUAL SAVINGS BANK — 2004
What PERPETUAL SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 66,356,000 | 65,887,000 | 66,171,000 | 71,489,000 |
| Total loans | 40,048,000 | 41,747,000 | 42,102,000 | 44,449,000 |
| Allowance for loan losses | 307,000 | 308,000 | 308,000 | 312,000 |
| Securities available for sale | 22,788,000 | 20,978,000 | 20,510,000 | 20,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,025,000 | 50,033,000 | 49,959,000 | 52,090,000 |
| Interest-bearing deposits | 46,653,000 | 47,236,000 | 47,437,000 | 49,505,000 |
| Noninterest-bearing deposits | 2,372,000 | 2,797,000 | 2,522,000 | 2,585,000 |
| Equity capital | 6,407,000 | 5,830,000 | 6,242,000 | 6,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,784,000 | 2,637,000 | 3,540,000 |
| Interest expense | 337,000 | 677,000 | 1,029,000 | 1,392,000 |
| Net interest income | 556,000 | 1,107,000 | 1,608,000 | 2,148,000 |
| Noninterest income | 120,000 | 208,000 | 297,000 | 390,000 |
| Noninterest expense | 428,000 | 858,000 | 1,289,000 | 1,741,000 |
| Provision for loan losses | 14,000 | 17,000 | 20,000 | 23,000 |
| Pretax income | 250,000 | 483,000 | 640,000 | 818,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 250,000 | 483,000 | 640,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,704,000 | 5,718,000 | 5,785,000 | 5,962,000 |
| Total capital | 6,011,000 | 6,026,000 | 6,093,000 | 6,274,000 |
| Risk-weighted assets | 41,649,000 | 43,246,000 | 43,666,000 | 46,773,000 |