Call reports 2022
PENNCREST BANK — 2022
What PENNCREST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 215,555,000 | 215,018,000 | 218,635,000 | 221,830,000 |
| Total loans | 137,590,000 | 139,549,000 | 141,897,000 | 142,470,000 |
| Allowance for loan losses | 642,000 | 639,000 | 531,000 | 411,000 |
| Securities available for sale | 54,695,000 | 53,394,000 | 53,322,000 | 52,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,145,000 | 179,041,000 | 173,639,000 | 190,597,000 |
| Interest-bearing deposits | 132,342,000 | 133,603,000 | 128,806,000 | 138,371,000 |
| Noninterest-bearing deposits | 45,803,000 | 45,438,000 | 44,833,000 | 52,226,000 |
| Equity capital | 28,326,000 | 26,011,000 | 24,454,000 | 25,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,612,000 | 3,239,000 | 4,951,000 | 6,760,000 |
| Interest expense | 177,000 | 349,000 | 553,000 | 761,000 |
| Net interest income | 1,435,000 | 2,890,000 | 4,398,000 | 5,999,000 |
| Noninterest income | 235,000 | 479,000 | 735,000 | 1,016,000 |
| Noninterest expense | 1,413,000 | 2,857,000 | 4,345,000 | 6,163,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -200,000 |
| Pretax income | 257,000 | 512,000 | 888,000 | 1,078,000 |
| Income tax | 45,000 | 86,000 | 162,000 | 186,000 |
| Net income | 212,000 | 426,000 | 726,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,618,000 | 30,838,000 | 31,144,000 | 31,029,000 |