Call reports 2010
PENNCREST BANK — 2010
What PENNCREST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 133,034,000 | 134,157,000 | 130,688,000 | 128,159,000 |
| Total loans | 98,146,000 | 100,005,000 | 100,419,000 | 97,843,000 |
| Allowance for loan losses | 677,000 | 682,000 | 683,000 | 683,000 |
| Securities available for sale | 20,672,000 | 19,471,000 | 18,979,000 | 17,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,657,000 | 103,406,000 | 101,222,000 | 100,707,000 |
| Interest-bearing deposits | 88,433,000 | 89,368,000 | 88,395,000 | 87,476,000 |
| Noninterest-bearing deposits | 13,224,000 | 14,038,000 | 12,827,000 | 13,231,000 |
| Equity capital | 16,990,000 | 17,257,000 | 17,332,000 | 17,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,658,000 | 3,300,000 | 4,946,000 | 6,503,000 |
| Interest expense | 539,000 | 1,054,000 | 1,551,000 | 2,010,000 |
| Net interest income | 1,119,000 | 2,246,000 | 3,395,000 | 4,493,000 |
| Noninterest income | 118,000 | 243,000 | 369,000 | 515,000 |
| Noninterest expense | 933,000 | 1,851,000 | 2,794,000 | 3,758,000 |
| Provision for loan losses | 26,000 | 44,000 | 79,000 | 103,000 |
| Pretax income | 278,000 | 594,000 | 891,000 | 1,147,000 |
| Income tax | 93,000 | 202,000 | 303,000 | 391,000 |
| Net income | 185,000 | 392,000 | 588,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,310,000 | 16,518,000 | 16,713,000 | 16,882,000 |
| Total capital | 16,987,000 | 17,201,000 | 17,396,000 | 17,565,000 |
| Risk-weighted assets | 71,191,000 | 72,229,000 | 72,104,000 | 70,654,000 |