Call reports 2005
PENNCREST BANK — 2005
What PENNCREST 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 | 116,563,000 | 114,899,000 | 114,259,000 | 114,547,000 |
| Total loans | 77,745,000 | 80,516,000 | 83,349,000 | 83,126,000 |
| Allowance for loan losses | 734,000 | 728,000 | 722,000 | 720,000 |
| Securities available for sale | 25,094,000 | 25,999,000 | 21,867,000 | 19,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,587,000 | 91,958,000 | 91,818,000 | 92,012,000 |
| Interest-bearing deposits | 83,535,000 | 82,960,000 | 82,529,000 | 82,990,000 |
| Noninterest-bearing deposits | 9,052,000 | 8,998,000 | 9,289,000 | 9,022,000 |
| Equity capital | 13,151,000 | 13,386,000 | 13,493,000 | 13,530,000 |
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 | 1,435,000 | 2,905,000 | 4,397,000 | 5,892,000 |
| Interest expense | 541,000 | 1,100,000 | 1,679,000 | 2,294,000 |
| Net interest income | 894,000 | 1,805,000 | 2,718,000 | 3,598,000 |
| Noninterest income | 65,000 | 131,000 | 197,000 | 343,000 |
| Noninterest expense | 767,000 | 1,554,000 | 2,326,000 | 3,102,000 |
| Provision for loan losses | 5,000 | 15,000 | 28,000 | 55,000 |
| Pretax income | 187,000 | 367,000 | 561,000 | 784,000 |
| Income tax | 56,000 | 108,000 | 167,000 | 237,000 |
| Net income | 131,000 | 259,000 | 394,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,239,000 | 13,368,000 | 13,503,000 | 13,656,000 |
| Total capital | 13,973,000 | 14,096,000 | 14,225,000 | 14,376,000 |
| Risk-weighted assets | 65,583,000 | 67,452,000 | 69,098,000 | 68,820,000 |
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