Call reports 2002
PERENNIAL BANK — 2002
What PERENNIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 19,906,000 | 19,485,000 | 20,235,000 | 21,564,000 |
| Total loans | 10,203,000 | 11,239,000 | 11,193,000 | 10,620,000 |
| Allowance for loan losses | 244,000 | 240,000 | 240,000 | 237,000 |
| Securities available for sale | 7,398,000 | 6,463,000 | 6,454,000 | 7,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,575,000 | 17,197,000 | 17,766,000 | 19,087,000 |
| Interest-bearing deposits | 14,401,000 | 14,348,000 | 14,931,000 | 15,357,000 |
| Noninterest-bearing deposits | 3,174,000 | 2,849,000 | 2,835,000 | 3,730,000 |
| Equity capital | 2,023,000 | 2,164,000 | 2,325,000 | 2,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 676,000 | 1,013,000 | 1,344,000 |
| Interest expense | 97,000 | 175,000 | 283,000 | 372,000 |
| Net interest income | 240,000 | 501,000 | 730,000 | 972,000 |
| Noninterest income | 38,000 | 72,000 | 112,000 | 146,000 |
| Noninterest expense | 133,000 | 305,000 | 420,000 | 585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 145,000 | 268,000 | 425,000 | 536,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 268,000 | 425,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,991,000 | 1,997,000 | 2,088,000 | 2,199,000 |
| Total capital | 2,175,000 | 2,182,000 | 2,286,000 | 2,404,000 |
| Risk-weighted assets | 14,709,000 | 15,038,000 | 15,810,000 | 16,370,000 |