Call reports 2004
PENNCREST BANK — 2004
What PENNCREST 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 | 117,352,000 | 116,867,000 | 115,308,000 | 115,180,000 |
| Total loans | 75,031,000 | 76,595,000 | 76,840,000 | 76,575,000 |
| Allowance for loan losses | 577,000 | 576,000 | 576,000 | 727,000 |
| Securities available for sale | 26,311,000 | 27,967,000 | 27,553,000 | 26,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,525,000 | 92,522,000 | 91,041,000 | 90,604,000 |
| Interest-bearing deposits | 82,791,000 | 83,277,000 | 82,692,000 | 82,039,000 |
| Noninterest-bearing deposits | 8,734,000 | 9,245,000 | 8,349,000 | 8,565,000 |
| Equity capital | 12,845,000 | 12,555,000 | 12,995,000 | 13,160,000 |
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 | 1,429,000 | 2,811,000 | 4,218,000 | 5,662,000 |
| Interest expense | 560,000 | 1,104,000 | 1,645,000 | 2,191,000 |
| Net interest income | 869,000 | 1,707,000 | 2,573,000 | 3,471,000 |
| Noninterest income | 44,000 | 98,000 | 151,000 | 707,000 |
| Noninterest expense | 756,000 | 1,473,000 | 2,203,000 | 3,078,000 |
| Provision for loan losses | 2,000 | 7,000 | 30,000 | 244,000 |
| Pretax income | 155,000 | 327,000 | 493,000 | 848,000 |
| Income tax | 53,000 | 110,000 | 160,000 | 283,000 |
| Net income | 102,000 | 217,000 | 333,000 | 565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,645,000 | 12,760,000 | 12,876,000 | 13,108,000 |
| Total capital | 13,222,000 | 13,336,000 | 13,452,000 | 13,835,000 |
| Risk-weighted assets | 64,474,000 | 66,187,000 | 66,152,000 | 64,546,000 |
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