Call reports 2015
PENNIAN BANK — 2015
What PENNIAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 456,251,000 | 456,283,000 | 464,593,000 | 466,793,000 |
| Total loans | 305,026,000 | 310,481,000 | 319,138,000 | 323,297,000 |
| Allowance for loan losses | 3,299,000 | 3,330,000 | 3,440,000 | 3,472,000 |
| Securities available for sale | 118,239,000 | 115,387,000 | 111,745,000 | 112,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,513,000 | 372,269,000 | 373,820,000 | 372,733,000 |
| Interest-bearing deposits | 328,299,000 | 321,533,000 | 323,578,000 | 320,356,000 |
| Noninterest-bearing deposits | 52,214,000 | 50,736,000 | 50,242,000 | 52,377,000 |
| Equity capital | 44,260,000 | 44,108,000 | 45,102,000 | 45,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,299,000 | 8,568,000 | 12,921,000 | 17,100,000 |
| Interest expense | 874,000 | 1,691,000 | 2,484,000 | 3,298,000 |
| Net interest income | 3,425,000 | 6,877,000 | 10,437,000 | 13,802,000 |
| Noninterest income | 703,000 | 1,357,000 | 2,022,000 | 2,677,000 |
| Noninterest expense | 2,809,000 | 5,634,000 | 8,568,000 | 11,364,000 |
| Provision for loan losses | 200,000 | 230,000 | 339,000 | 373,000 |
| Pretax income | 1,212,000 | 2,464,000 | 3,643,000 | 4,836,000 |
| Income tax | 192,000 | 410,000 | 597,000 | 763,000 |
| Net income | 1,020,000 | 2,054,000 | 3,046,000 | 4,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,505,000 | 43,137,000 | 43,725,000 | 44,124,000 |
| Total capital | 45,746,000 | 46,444,000 | 47,078,000 | 47,482,000 |
| Risk-weighted assets | 259,033,000 | 264,265,000 | 267,872,000 | 268,296,000 |