Call reports 2019
PENNCREST BANK — 2019
What PENNCREST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 181,924,000 | 181,357,000 | 182,819,000 | 183,325,000 |
| Total loans | 113,881,000 | 115,546,000 | 118,054,000 | 121,678,000 |
| Allowance for loan losses | 432,000 | 437,000 | 424,000 | 452,000 |
| Securities available for sale | 45,677,000 | 43,972,000 | 42,903,000 | 40,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,893,000 | 135,515,000 | 136,320,000 | 137,599,000 |
| Interest-bearing deposits | 103,899,000 | 102,999,000 | 104,611,000 | 104,962,000 |
| Noninterest-bearing deposits | 33,994,000 | 32,516,000 | 31,709,000 | 32,637,000 |
| Equity capital | 28,430,000 | 29,016,000 | 29,426,000 | 29,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,639,000 | 3,280,000 | 4,941,000 | 6,622,000 |
| Interest expense | 288,000 | 588,000 | 892,000 | 1,208,000 |
| Net interest income | 1,351,000 | 2,692,000 | 4,049,000 | 5,414,000 |
| Noninterest income | 232,000 | 487,000 | 746,000 | 1,002,000 |
| Noninterest expense | 1,349,000 | 2,686,000 | 4,017,000 | 5,361,000 |
| Provision for loan losses | 10,000 | 30,000 | 60,000 | 125,000 |
| Pretax income | 224,000 | 471,000 | 729,000 | 941,000 |
| Income tax | 39,000 | 86,000 | 138,000 | 178,000 |
| Net income | 185,000 | 385,000 | 591,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,381,000 | 28,591,000 | 28,806,000 | 28,989,000 |
| Total capital | 28,813,000 | 29,028,000 | 29,230,000 | 29,441,000 |
| Risk-weighted assets | 100,985,000 | 100,337,000 | 101,749,000 | 103,104,000 |