Call reports 2013
PENNCREST BANK — 2013
What PENNCREST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 133,707,000 | 131,570,000 | 129,264,000 | 126,452,000 |
| Total loans | 91,807,000 | 92,164,000 | 94,703,000 | 95,028,000 |
| Allowance for loan losses | 678,000 | 678,000 | 674,000 | 674,000 |
| Securities available for sale | 20,201,000 | 18,638,000 | 18,017,000 | 16,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,352,000 | 103,602,000 | 102,312,000 | 99,891,000 |
| Interest-bearing deposits | 88,480,000 | 87,043,000 | 86,280,000 | 83,135,000 |
| Noninterest-bearing deposits | 16,872,000 | 16,559,000 | 16,032,000 | 16,756,000 |
| Equity capital | 18,264,000 | 18,065,000 | 18,171,000 | 18,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,414,000 | 3,603,000 | 4,795,000 |
| Interest expense | 283,000 | 542,000 | 789,000 | 1,011,000 |
| Net interest income | 934,000 | 1,872,000 | 2,814,000 | 3,784,000 |
| Noninterest income | 171,000 | 325,000 | 521,000 | 707,000 |
| Noninterest expense | 909,000 | 1,780,000 | 2,720,000 | 3,652,000 |
| Provision for loan losses | 1,000 | 1,000 | 13,000 | 48,000 |
| Pretax income | 195,000 | 416,000 | 602,000 | 791,000 |
| Income tax | 60,000 | 135,000 | 192,000 | 253,000 |
| Net income | 135,000 | 281,000 | 410,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,026,000 | 18,172,000 | 18,301,000 | 18,429,000 |
| Total capital | 18,704,000 | 18,850,000 | 18,975,000 | 19,103,000 |
| Risk-weighted assets | 68,168,000 | 67,815,000 | 68,768,000 | 68,863,000 |