Call reports 2003
PENNCREST BANK — 2003
What PENNCREST 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 | 110,944,000 | 114,405,000 | 116,746,000 | 116,116,000 |
| Total loans | 72,540,000 | 74,896,000 | 75,886,000 | 76,226,000 |
| Allowance for loan losses | 671,000 | 641,000 | 586,000 | 576,000 |
| Securities available for sale | 20,947,000 | 22,956,000 | 28,363,000 | 27,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,656,000 | 92,554,000 | 90,935,000 | 90,332,000 |
| Interest-bearing deposits | 84,315,000 | 83,749,000 | 83,151,000 | 82,679,000 |
| Noninterest-bearing deposits | 8,341,000 | 8,805,000 | 7,784,000 | 7,653,000 |
| Equity capital | 12,327,000 | 12,482,000 | 12,467,000 | 12,647,000 |
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 | 1,555,000 | 3,055,000 | 4,524,000 | 5,991,000 |
| Interest expense | 647,000 | 1,278,000 | 1,852,000 | 2,428,000 |
| Net interest income | 908,000 | 1,777,000 | 2,672,000 | 3,563,000 |
| Noninterest income | 42,000 | 95,000 | 130,000 | 210,000 |
| Noninterest expense | 709,000 | 1,395,000 | 2,085,000 | 2,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 241,000 | 481,000 | 722,000 | 993,000 |
| Income tax | 97,000 | 186,000 | 260,000 | 348,000 |
| Net income | 144,000 | 295,000 | 462,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,042,000 | 12,193,000 | 12,360,000 | 12,543,000 |
| Total capital | 12,713,000 | 12,834,000 | 12,946,000 | 13,119,000 |
| Risk-weighted assets | 59,472,000 | 62,446,000 | 64,081,000 | 64,525,000 |
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