Call reports 2006
PENNCREST BANK — 2006
What PENNCREST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 116,663,000 | 117,947,000 | 116,094,000 | 116,751,000 |
| Total loans | 83,468,000 | 85,190,000 | 86,829,000 | 88,191,000 |
| Allowance for loan losses | 684,000 | 688,000 | 667,000 | 667,000 |
| Securities available for sale | 22,858,000 | 22,032,000 | 21,882,000 | 20,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,332,000 | 98,808,000 | 96,714,000 | 96,166,000 |
| Interest-bearing deposits | 84,607,000 | 88,704,000 | 87,044,000 | 86,517,000 |
| Noninterest-bearing deposits | 9,725,000 | 10,104,000 | 9,670,000 | 9,649,000 |
| Equity capital | 13,587,000 | 13,538,000 | 13,902,000 | 14,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,538,000 | 3,139,000 | 4,754,000 | 6,386,000 |
| Interest expense | 646,000 | 1,353,000 | 2,082,000 | 2,835,000 |
| Net interest income | 892,000 | 1,786,000 | 2,672,000 | 3,551,000 |
| Noninterest income | 66,000 | 134,000 | 218,000 | 310,000 |
| Noninterest expense | 819,000 | 1,637,000 | 2,434,000 | 3,228,000 |
| Provision for loan losses | 8,000 | 8,000 | 38,000 | 82,000 |
| Pretax income | 131,000 | 275,000 | 418,000 | 551,000 |
| Income tax | 27,000 | 58,000 | 89,000 | 117,000 |
| Net income | 104,000 | 217,000 | 329,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,760,000 | 13,873,000 | 13,985,000 | 14,090,000 |
| Total capital | 14,444,000 | 14,561,000 | 14,652,000 | 14,757,000 |
| Risk-weighted assets | 69,084,000 | 62,963,000 | 63,491,000 | 64,151,000 |
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