Call reports 2025
PENNCREST BANK — 2025
What PENNCREST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 232,387,000 | 234,121,000 | 235,736,000 | 238,563,000 |
| Total loans | 150,546,000 | 151,635,000 | 152,012,000 | 153,210,000 |
| Allowance for loan losses | 315,000 | 283,000 | 270,000 | 216,000 |
| Securities available for sale | 61,264,000 | 61,774,000 | 61,713,000 | 63,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,325,000 | 199,463,000 | 199,525,000 | 199,108,000 |
| Interest-bearing deposits | 141,653,000 | 145,208,000 | 146,172,000 | 144,791,000 |
| Noninterest-bearing deposits | 55,672,000 | 54,255,000 | 53,353,000 | 54,317,000 |
| Equity capital | 27,830,000 | 28,148,000 | 29,528,000 | 30,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,165,000 | 4,502,000 | 6,884,000 | 9,283,000 |
| Interest expense | 665,000 | 1,355,000 | 2,074,000 | 2,811,000 |
| Net interest income | 1,500,000 | 3,147,000 | 4,810,000 | 6,472,000 |
| Noninterest income | 292,000 | 605,000 | 915,000 | 1,229,000 |
| Noninterest expense | 1,643,000 | 3,217,000 | 4,824,000 | 6,535,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 535,000 | 901,000 | 1,166,000 |
| Income tax | 9,000 | 94,000 | 173,000 | 224,000 |
| Net income | 140,000 | 441,000 | 728,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,446,000 | 32,764,000 | 33,070,000 | 33,299,000 |