Call reports 2001
PENNCREST BANK — 2001
What PENNCREST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 97,422,000 | 103,490,000 | 104,297,000 | 106,351,000 |
| Total loans | 62,226,000 | 63,573,000 | 68,333,000 | 70,675,000 |
| Allowance for loan losses | 787,000 | 779,000 | 761,000 | 750,000 |
| Securities available for sale | 22,155,000 | 26,971,000 | 26,151,000 | 24,592,000 |
| Securities held to maturity | 2,037,000 | 2,037,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,659,000 | 84,649,000 | 85,066,000 | 87,209,000 |
| Interest-bearing deposits | 77,086,000 | 78,011,000 | 78,247,000 | 80,449,000 |
| Noninterest-bearing deposits | 6,573,000 | 6,638,000 | 6,819,000 | 6,760,000 |
| Equity capital | 11,168,000 | 11,274,000 | 11,558,000 | 11,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,670,000 | 3,337,000 | 5,052,000 | 6,766,000 |
| Interest expense | 936,000 | 1,884,000 | 2,849,000 | 3,736,000 |
| Net interest income | 734,000 | 1,453,000 | 2,203,000 | 3,030,000 |
| Noninterest income | 38,000 | 74,000 | 113,000 | 148,000 |
| Noninterest expense | 669,000 | 1,335,000 | 1,985,000 | 2,669,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 104,000 | 195,000 | 339,000 | 532,000 |
| Income tax | 42,000 | 79,000 | 133,000 | 210,000 |
| Net income | 62,000 | 116,000 | 206,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,087,000 | 11,141,000 | 11,231,000 | 11,347,000 |
| Total capital | 11,792,000 | 11,852,000 | 11,949,000 | 12,075,000 |
| Risk-weighted assets | 56,375,000 | 56,784,000 | 57,420,000 | 58,220,000 |
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