Call reports 2012
PENNCREST BANK — 2012
What PENNCREST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,675,000 | 137,126,000 | 135,972,000 | 133,602,000 |
| Total loans | 93,492,000 | 92,854,000 | 90,995,000 | 91,826,000 |
| Allowance for loan losses | 642,000 | 690,000 | 688,000 | 685,000 |
| Securities available for sale | 15,650,000 | 12,649,000 | 16,980,000 | 18,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,437,000 | 106,013,000 | 105,925,000 | 103,704,000 |
| Interest-bearing deposits | 89,691,000 | 89,972,000 | 90,100,000 | 88,431,000 |
| Noninterest-bearing deposits | 16,746,000 | 16,041,000 | 15,825,000 | 15,273,000 |
| Equity capital | 17,980,000 | 18,028,000 | 18,151,000 | 18,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,679,000 | 3,964,000 | 5,232,000 |
| Interest expense | 374,000 | 724,000 | 1,061,000 | 1,369,000 |
| Net interest income | 997,000 | 1,955,000 | 2,903,000 | 3,863,000 |
| Noninterest income | 138,000 | 275,000 | 407,000 | 549,000 |
| Noninterest expense | 949,000 | 1,900,000 | 2,799,000 | 3,700,000 |
| Provision for loan losses | 4,000 | 4,000 | 6,000 | 6,000 |
| Pretax income | 182,000 | 326,000 | 505,000 | 706,000 |
| Income tax | 63,000 | 113,000 | 172,000 | 240,000 |
| Net income | 119,000 | 213,000 | 333,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,543,000 | 17,638,000 | 17,758,000 | 17,891,000 |
| Total capital | 18,185,000 | 18,328,000 | 18,447,000 | 18,576,000 |
| Risk-weighted assets | 66,195,000 | 65,320,000 | 64,749,000 | 68,004,000 |