Call reports 2008
PENNCREST BANK — 2008
What PENNCREST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,919,000 | 131,620,000 | 137,122,000 | 136,669,000 |
| Total loans | 93,434,000 | 94,338,000 | 95,894,000 | 95,237,000 |
| Allowance for loan losses | 660,000 | 658,000 | 669,000 | 669,000 |
| Securities available for sale | 27,052,000 | 26,505,000 | 30,543,000 | 30,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,020,000 | 100,924,000 | 101,812,000 | 100,599,000 |
| Interest-bearing deposits | 87,317,000 | 89,316,000 | 90,283,000 | 89,577,000 |
| Noninterest-bearing deposits | 10,703,000 | 11,608,000 | 11,529,000 | 11,022,000 |
| Equity capital | 15,193,000 | 14,864,000 | 15,278,000 | 15,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,725,000 | 3,501,000 | 5,328,000 | 7,172,000 |
| Interest expense | 788,000 | 1,570,000 | 2,370,000 | 3,183,000 |
| Net interest income | 937,000 | 1,931,000 | 2,958,000 | 3,989,000 |
| Noninterest income | 122,000 | 241,000 | 359,000 | 479,000 |
| Noninterest expense | 794,000 | 1,599,000 | 2,456,000 | 3,355,000 |
| Provision for loan losses | 25,000 | 40,000 | 60,000 | 112,000 |
| Pretax income | 240,000 | 533,000 | 801,000 | 1,002,000 |
| Income tax | 70,000 | 161,000 | 242,000 | 299,000 |
| Net income | 170,000 | 372,000 | 559,000 | 703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,794,000 | 14,997,000 | 15,184,000 | 15,328,000 |
| Total capital | 15,454,000 | 15,655,000 | 15,853,000 | 15,997,000 |
| Risk-weighted assets | 68,076,000 | 69,355,000 | 70,877,000 | 70,268,000 |
Machine access — free, no API key
Every figure shown here about PENNCREST BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.