Call reports 2020
PENNCREST BANK — 2020
What PENNCREST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 188,025,000 | 198,452,000 | 199,902,000 | 204,097,000 |
| Total loans | 122,038,000 | 123,043,000 | 125,634,000 | 129,876,000 |
| Allowance for loan losses | 489,000 | 580,000 | 658,000 | 680,000 |
| Securities available for sale | 41,062,000 | 48,868,000 | 50,566,000 | 48,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,440,000 | 152,946,000 | 154,691,000 | 159,933,000 |
| Interest-bearing deposits | 109,538,000 | 113,834,000 | 116,555,000 | 117,963,000 |
| Noninterest-bearing deposits | 33,902,000 | 39,112,000 | 38,136,000 | 41,970,000 |
| Equity capital | 29,695,000 | 30,634,000 | 30,880,000 | 31,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,296,000 | 4,938,000 | 6,602,000 |
| Interest expense | 315,000 | 634,000 | 938,000 | 1,224,000 |
| Net interest income | 1,338,000 | 2,662,000 | 4,000,000 | 5,378,000 |
| Noninterest income | 227,000 | 408,000 | 629,000 | 812,000 |
| Noninterest expense | 1,343,000 | 2,683,000 | 4,032,000 | 5,335,000 |
| Provision for loan losses | 50,000 | 160,000 | 250,000 | 310,000 |
| Pretax income | 172,000 | 258,000 | 378,000 | 576,000 |
| Income tax | 32,000 | 38,000 | 48,000 | 80,000 |
| Net income | 140,000 | 220,000 | 330,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,138,000 | 29,225,000 | 29,343,000 | 29,516,000 |