Call reports 2024
PENNCREST BANK — 2024
What PENNCREST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 223,523,000 | 223,545,000 | 222,451,000 | 225,611,000 |
| Total loans | 146,884,000 | 148,420,000 | 149,711,000 | 150,579,000 |
| Allowance for loan losses | 445,000 | 374,000 | 347,000 | 327,000 |
| Securities available for sale | 52,157,000 | 51,550,000 | 53,333,000 | 52,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,853,000 | 188,533,000 | 186,666,000 | 191,548,000 |
| Interest-bearing deposits | 137,339,000 | 137,402,000 | 136,434,000 | 139,276,000 |
| Noninterest-bearing deposits | 51,514,000 | 51,131,000 | 50,232,000 | 52,272,000 |
| Equity capital | 26,806,000 | 27,147,000 | 28,529,000 | 27,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,970,000 | 4,008,000 | 6,104,000 | 8,271,000 |
| Interest expense | 556,000 | 1,161,000 | 1,827,000 | 2,507,000 |
| Net interest income | 1,414,000 | 2,847,000 | 4,277,000 | 5,764,000 |
| Noninterest income | 269,000 | 568,000 | 874,000 | 1,168,000 |
| Noninterest expense | 1,554,000 | 3,115,000 | 4,682,000 | 6,360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 300,000 | 469,000 | 572,000 |
| Income tax | 11,000 | 32,000 | 54,000 | 58,000 |
| Net income | 118,000 | 268,000 | 415,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,916,000 | 32,086,000 | 32,253,000 | 32,288,000 |