Call reports 2016
PENNIAN BANK — 2016
What PENNIAN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 464,967,000 | 476,278,000 | 476,167,000 | 476,712,000 |
| Total loans | 326,048,000 | 323,860,000 | 324,769,000 | 325,087,000 |
| Allowance for loan losses | 3,864,000 | 3,866,000 | 3,864,000 | 3,876,000 |
| Securities available for sale | 107,603,000 | 115,183,000 | 121,696,000 | 118,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,883,000 | 389,336,000 | 390,641,000 | 388,794,000 |
| Interest-bearing deposits | 326,156,000 | 336,279,000 | 338,665,000 | 334,699,000 |
| Noninterest-bearing deposits | 53,727,000 | 53,057,000 | 51,976,000 | 54,095,000 |
| Equity capital | 46,068,000 | 47,048,000 | 47,418,000 | 46,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,323,000 | 8,657,000 | 13,033,000 | 17,435,000 |
| Interest expense | 798,000 | 1,598,000 | 2,396,000 | 3,170,000 |
| Net interest income | 3,525,000 | 7,059,000 | 10,637,000 | 14,265,000 |
| Noninterest income | 571,000 | 1,154,000 | 1,818,000 | 2,434,000 |
| Noninterest expense | 2,911,000 | 5,837,000 | 8,773,000 | 11,658,000 |
| Provision for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | 971,000 | 2,162,000 | 3,468,000 | 4,827,000 |
| Income tax | 110,000 | 310,000 | 550,000 | 811,000 |
| Net income | 861,000 | 1,852,000 | 2,918,000 | 4,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,631,000 | 45,270,000 | 45,983,000 | 46,487,000 |
| Total capital | 48,019,000 | 48,667,000 | 49,392,000 | 49,911,000 |
| Risk-weighted assets | 270,288,000 | 271,018,000 | 272,046,000 | 273,218,000 |