Call reports 2014
PENNCREST BANK — 2014
What PENNCREST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 128,356,000 | 126,321,000 | 123,173,000 | 123,083,000 |
| Total loans | 93,613,000 | 94,074,000 | 93,873,000 | 93,287,000 |
| Allowance for loan losses | 681,000 | 675,000 | 674,000 | 657,000 |
| Securities available for sale | 17,733,000 | 18,646,000 | 18,264,000 | 18,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,830,000 | 99,750,000 | 97,430,000 | 97,475,000 |
| Interest-bearing deposits | 83,968,000 | 83,023,000 | 80,373,000 | 79,627,000 |
| Noninterest-bearing deposits | 17,862,000 | 16,727,000 | 17,057,000 | 17,848,000 |
| Equity capital | 18,443,000 | 18,710,000 | 18,877,000 | 19,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,348,000 | 3,538,000 | 4,716,000 |
| Interest expense | 208,000 | 410,000 | 599,000 | 771,000 |
| Net interest income | 957,000 | 1,938,000 | 2,939,000 | 3,945,000 |
| Noninterest income | 171,000 | 355,000 | 555,000 | 739,000 |
| Noninterest expense | 937,000 | 1,845,000 | 2,763,000 | 3,777,000 |
| Provision for loan losses | 7,000 | 5,000 | 13,000 | 58,000 |
| Pretax income | 184,000 | 443,000 | 718,000 | 849,000 |
| Income tax | 61,000 | 151,000 | 242,000 | 281,000 |
| Net income | 123,000 | 292,000 | 476,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,552,000 | 18,721,000 | 18,905,000 | 18,997,000 |
| Total capital | 19,233,000 | 19,396,000 | 19,579,000 | 19,654,000 |
| Risk-weighted assets | 68,128,000 | 68,016,000 | 67,585,000 | 67,075,000 |