Call reports 2016
PENNCREST BANK — 2016
What PENNCREST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 181,590,000 | 176,706,000 | 174,545,000 | 173,351,000 |
| Total loans | 109,629,000 | 109,499,000 | 109,787,000 | 107,697,000 |
| Allowance for loan losses | 661,000 | 657,000 | 655,000 | 603,000 |
| Securities available for sale | 38,368,000 | 38,025,000 | 36,150,000 | 35,205,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,931,000 | 143,983,000 | 141,838,000 | 141,114,000 |
| Interest-bearing deposits | 128,310,000 | 114,220,000 | 113,408,000 | 112,777,000 |
| Noninterest-bearing deposits | 20,621,000 | 29,763,000 | 28,430,000 | 28,337,000 |
| Equity capital | 27,099,000 | 27,355,000 | 27,592,000 | 27,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,779,000 | 4,298,000 | 5,783,000 |
| Interest expense | 144,000 | 322,000 | 484,000 | 649,000 |
| Net interest income | 1,118,000 | 2,457,000 | 3,814,000 | 5,134,000 |
| Noninterest income | 878,000 | 1,085,000 | 1,308,000 | 1,507,000 |
| Noninterest expense | 1,323,000 | 2,687,000 | 4,006,000 | 5,529,000 |
| Provision for loan losses | 5,000 | 7,000 | 9,000 | 100,000 |
| Pretax income | 668,000 | 848,000 | 1,107,000 | 1,012,000 |
| Income tax | -20,000 | 7,000 | 66,000 | -3,000 |
| Net income | 688,000 | 841,000 | 1,041,000 | 1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,485,000 | 26,646,000 | 26,853,000 | 26,835,000 |
| Total capital | 27,146,000 | 27,303,000 | 27,508,000 | 27,438,000 |
| Risk-weighted assets | 105,071,000 | 104,615,000 | 104,707,000 | 104,245,000 |