Call reports 2015
PENNCREST BANK — 2015
What PENNCREST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,605,000 | 124,799,000 | 122,085,000 | 123,432,000 |
| Total loans | 91,525,000 | 91,141,000 | 92,323,000 | 91,789,000 |
| Allowance for loan losses | 659,000 | 657,000 | 657,000 | 640,000 |
| Securities available for sale | 18,240,000 | 19,085,000 | 18,938,000 | 18,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,129,000 | 99,550,000 | 97,296,000 | 96,312,000 |
| Interest-bearing deposits | 80,444,000 | 80,815,000 | 78,509,000 | 76,659,000 |
| Noninterest-bearing deposits | 19,685,000 | 18,735,000 | 18,787,000 | 19,653,000 |
| Equity capital | 19,326,000 | 19,317,000 | 19,550,000 | 19,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,152,000 | 2,277,000 | 3,414,000 | 4,557,000 |
| Interest expense | 155,000 | 299,000 | 435,000 | 566,000 |
| Net interest income | 997,000 | 1,978,000 | 2,979,000 | 3,991,000 |
| Noninterest income | 197,000 | 380,000 | 573,000 | 767,000 |
| Noninterest expense | 944,000 | 1,876,000 | 2,839,000 | 3,913,000 |
| Provision for loan losses | 6,000 | 11,000 | 28,000 | 91,000 |
| Pretax income | 273,000 | 500,000 | 714,000 | 783,000 |
| Income tax | 96,000 | 174,000 | 247,000 | 294,000 |
| Net income | 177,000 | 326,000 | 467,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,174,000 | 19,323,000 | 19,465,000 | 19,486,000 |
| Total capital | 19,833,000 | 19,980,000 | 20,122,000 | 20,126,000 |
| Risk-weighted assets | 71,997,000 | 72,105,000 | 72,244,000 | 72,691,000 |