Call reports 2023
PENNCREST BANK — 2023
What PENNCREST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 220,940,000 | 217,931,000 | 216,645,000 | 220,331,000 |
| Total loans | 142,087,000 | 142,682,000 | 145,136,000 | 146,792,000 |
| Allowance for loan losses | 523,000 | 514,000 | 485,000 | 461,000 |
| Securities available for sale | 53,704,000 | 52,036,000 | 49,305,000 | 51,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,192,000 | 186,620,000 | 184,217,000 | 184,042,000 |
| Interest-bearing deposits | 136,933,000 | 135,392,000 | 135,261,000 | 134,162,000 |
| Noninterest-bearing deposits | 53,259,000 | 51,228,000 | 48,956,000 | 49,880,000 |
| Equity capital | 26,347,000 | 25,881,000 | 24,760,000 | 27,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 3,619,000 | 5,666,000 | 7,589,000 |
| Interest expense | 268,000 | 606,000 | 1,019,000 | 1,545,000 |
| Net interest income | 1,536,000 | 3,013,000 | 4,647,000 | 6,044,000 |
| Noninterest income | 274,000 | 553,000 | 841,000 | 1,116,000 |
| Noninterest expense | 1,573,000 | 3,160,000 | 4,691,000 | 6,250,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 222,000 | 391,000 | 782,000 | 895,000 |
| Income tax | 34,000 | 56,000 | 140,000 | 148,000 |
| Net income | 188,000 | 335,000 | 642,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,159,000 | 31,326,000 | 31,654,000 | 31,779,000 |