Call reports 2011
PENNCREST BANK — 2011
What PENNCREST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 131,360,000 | 131,086,000 | 134,535,000 | 134,599,000 |
| Total loans | 96,731,000 | 95,647,000 | 96,051,000 | 95,181,000 |
| Allowance for loan losses | 687,000 | 639,000 | 640,000 | 621,000 |
| Securities available for sale | 17,767,000 | 19,272,000 | 17,760,000 | 19,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,874,000 | 104,674,000 | 105,446,000 | 103,619,000 |
| Interest-bearing deposits | 90,182,000 | 90,915,000 | 90,305,000 | 89,150,000 |
| Noninterest-bearing deposits | 14,692,000 | 13,759,000 | 15,141,000 | 14,469,000 |
| Equity capital | 17,525,000 | 17,717,000 | 17,832,000 | 17,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 2,971,000 | 4,391,000 | 5,809,000 |
| Interest expense | 430,000 | 839,000 | 1,239,000 | 1,638,000 |
| Net interest income | 1,061,000 | 2,132,000 | 3,152,000 | 4,171,000 |
| Noninterest income | 126,000 | 261,000 | 400,000 | 537,000 |
| Noninterest expense | 950,000 | 1,914,000 | 2,855,000 | 3,780,000 |
| Provision for loan losses | 16,000 | 50,000 | 72,000 | 105,000 |
| Pretax income | 221,000 | 429,000 | 625,000 | 823,000 |
| Income tax | 76,000 | 148,000 | 212,000 | 280,000 |
| Net income | 145,000 | 281,000 | 413,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,027,000 | 17,163,000 | 17,294,000 | 17,425,000 |
| Total capital | 17,714,000 | 17,802,000 | 17,934,000 | 18,046,000 |
| Risk-weighted assets | 70,651,000 | 69,899,000 | 70,089,000 | 67,767,000 |