Call reports 2005
PERPETUAL SAVINGS BANK — 2005
What PERPETUAL SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,954,000 | 72,622,000 | 73,818,000 | 73,865,000 |
| Total loans | 46,439,000 | 48,333,000 | 49,500,000 | 51,029,000 |
| Allowance for loan losses | 321,000 | 323,000 | 322,000 | 536,000 |
| Securities available for sale | 20,634,000 | 20,076,000 | 18,962,000 | 17,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,116,000 | 57,391,000 | 58,936,000 | 60,497,000 |
| Interest-bearing deposits | 53,132,000 | 54,280,000 | 55,320,000 | 56,494,000 |
| Noninterest-bearing deposits | 2,984,000 | 3,111,000 | 3,616,000 | 4,003,000 |
| Equity capital | 6,332,000 | 6,633,000 | 6,616,000 | 6,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,980,000 | 3,021,000 | 4,126,000 |
| Interest expense | 389,000 | 799,000 | 1,239,000 | 1,710,000 |
| Net interest income | 584,000 | 1,181,000 | 1,782,000 | 2,416,000 |
| Noninterest income | 88,000 | 184,000 | 298,000 | 401,000 |
| Noninterest expense | 501,000 | 987,000 | 1,556,000 | 2,151,000 |
| Provision for loan losses | 3,000 | 6,000 | 12,000 | 227,000 |
| Pretax income | 168,000 | 384,000 | 531,000 | 465,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 168,000 | 384,000 | 531,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,130,000 | 6,276,000 | 6,337,000 | 6,237,000 |
| Total capital | 6,451,000 | 6,599,000 | 6,659,000 | 6,773,000 |
| Risk-weighted assets | 48,789,000 | 50,515,000 | 50,964,000 | 51,835,000 |