Call reports 2008
PENNIAN BANK — 2008
What PENNIAN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 317,864,000 | 319,092,000 | 327,720,000 | 325,744,000 |
| Total loans | 199,111,000 | 205,225,000 | 212,054,000 | 214,010,000 |
| Allowance for loan losses | 1,273,000 | 1,347,000 | 1,439,000 | 1,633,000 |
| Securities available for sale | 67,988,000 | 69,683,000 | 68,244,000 | 65,486,000 |
| Securities held to maturity | 20,871,000 | 20,798,000 | 22,939,000 | 24,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,360,000 | 261,950,000 | 260,423,000 | 262,930,000 |
| Interest-bearing deposits | 231,454,000 | 234,508,000 | 231,810,000 | 233,414,000 |
| Noninterest-bearing deposits | 27,906,000 | 27,442,000 | 28,613,000 | 29,516,000 |
| Equity capital | 26,138,000 | 26,122,000 | 26,783,000 | 27,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,480,000 | 9,006,000 | 13,706,000 | 18,369,000 |
| Interest expense | 2,388,000 | 4,685,000 | 6,898,000 | 9,055,000 |
| Net interest income | 2,092,000 | 4,321,000 | 6,808,000 | 9,314,000 |
| Noninterest income | 521,000 | 1,101,000 | 1,685,000 | 2,296,000 |
| Noninterest expense | 1,892,000 | 3,762,000 | 5,734,000 | 7,946,000 |
| Provision for loan losses | 0 | 75,000 | 168,000 | 365,000 |
| Pretax income | 721,000 | 1,585,000 | 2,591,000 | 3,299,000 |
| Income tax | 119,000 | 292,000 | 512,000 | 621,000 |
| Net income | 602,000 | 1,293,000 | 2,079,000 | 2,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,719,000 | 26,040,000 | 26,641,000 | 26,785,000 |
| Total capital | 26,992,000 | 27,387,000 | 28,080,000 | 28,537,000 |
| Risk-weighted assets | 175,111,000 | 182,117,000 | 184,694,000 | 186,539,000 |
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