Call reports 2007
PENNCREST BANK — 2007
What PENNCREST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,047,000 | 119,556,000 | 119,875,000 | 119,429,000 |
| Total loans | 88,750,000 | 89,380,000 | 91,003,000 | 92,855,000 |
| Allowance for loan losses | 667,000 | 661,000 | 652,000 | 658,000 |
| Securities available for sale | 20,520,000 | 21,399,000 | 20,333,000 | 20,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,059,000 | 100,069,000 | 99,507,000 | 96,801,000 |
| Interest-bearing deposits | 88,143,000 | 89,502,000 | 89,811,000 | 86,940,000 |
| Noninterest-bearing deposits | 10,916,000 | 10,567,000 | 9,696,000 | 9,861,000 |
| Equity capital | 14,194,000 | 14,106,000 | 14,418,000 | 14,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,414,000 | 5,145,000 | 6,853,000 |
| Interest expense | 772,000 | 1,577,000 | 2,421,000 | 3,259,000 |
| Net interest income | 901,000 | 1,837,000 | 2,724,000 | 3,594,000 |
| Noninterest income | 95,000 | 192,000 | 304,000 | 419,000 |
| Noninterest expense | 829,000 | 1,634,000 | 2,427,000 | 3,213,000 |
| Provision for loan losses | 15,000 | 31,000 | 52,000 | 86,000 |
| Pretax income | 152,000 | 364,000 | 549,000 | 714,000 |
| Income tax | 35,000 | 94,000 | 138,000 | 179,000 |
| Net income | 117,000 | 270,000 | 411,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,207,000 | 14,360,000 | 14,501,000 | 14,625,000 |
| Total capital | 14,874,000 | 15,021,000 | 15,153,000 | 15,283,000 |
| Risk-weighted assets | 64,995,000 | 65,463,000 | 66,548,000 | 66,737,000 |
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