Call reports 2001
PERENNIAL BANK — 2001
What PERENNIAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 18,778,000 | 18,509,000 | 18,780,000 | 19,690,000 |
| Total loans | 10,273,000 | 10,730,000 | 10,527,000 | 10,526,000 |
| Allowance for loan losses | 217,000 | 216,000 | 254,000 | 248,000 |
| Securities available for sale | 5,894,000 | 5,557,000 | 5,093,000 | 6,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,659,000 | 16,209,000 | 16,468,000 | 17,437,000 |
| Interest-bearing deposits | 13,828,000 | 13,713,000 | 13,494,000 | 14,121,000 |
| Noninterest-bearing deposits | 2,831,000 | 2,496,000 | 2,974,000 | 3,316,000 |
| Equity capital | 1,985,000 | 2,023,000 | 2,163,000 | 2,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 723,000 | 1,081,000 | 1,421,000 |
| Interest expense | 151,000 | 290,000 | 424,000 | 530,000 |
| Net interest income | 215,000 | 433,000 | 657,000 | 891,000 |
| Noninterest income | 41,000 | 86,000 | 112,000 | 165,000 |
| Noninterest expense | 114,000 | 253,000 | 396,000 | 592,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 272,000 | 379,000 | 470,000 |
| Income tax | 15,000 | 2,000 | 4,000 | 6,000 |
| Net income | 132,000 | 270,000 | 375,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,929,000 | 1,956,000 | 2,001,000 | 2,077,000 |
| Total capital | 2,146,000 | 2,172,000 | 2,227,000 | 2,263,000 |
| Risk-weighted assets | 18,025,000 | 17,827,000 | 18,079,000 | 14,807,000 |