Call reports 2003
PERENNIAL BANK — 2003
What PERENNIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,702,000 | 21,407,000 | 20,668,000 | 21,811,000 |
| Total loans | 10,420,000 | 11,128,000 | 10,968,000 | 10,699,000 |
| Allowance for loan losses | 234,000 | 232,000 | 236,000 | 204,000 |
| Securities available for sale | 7,245,000 | 6,368,000 | 6,163,000 | 8,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,398,000 | 19,006,000 | 18,336,000 | 19,416,000 |
| Interest-bearing deposits | 15,205,000 | 14,869,000 | 14,693,000 | 14,690,000 |
| Noninterest-bearing deposits | 3,193,000 | 4,137,000 | 3,643,000 | 4,726,000 |
| Equity capital | 2,203,000 | 2,275,000 | 2,187,000 | 2,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 315,000 | 617,000 | 923,000 | 1,214,000 |
| Interest expense | 82,000 | 155,000 | 221,000 | 282,000 |
| Net interest income | 233,000 | 462,000 | 702,000 | 932,000 |
| Noninterest income | 40,000 | 91,000 | 139,000 | 198,000 |
| Noninterest expense | 163,000 | 328,000 | 479,000 | 635,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 110,000 | 225,000 | 357,000 | 490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | 225,000 | 357,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,002,000 | 2,027,000 | 2,103,000 | 2,180,000 |
| Total capital | 2,199,000 | 2,233,000 | 2,310,000 | 2,381,000 |
| Risk-weighted assets | 15,687,000 | 17,030,000 | 16,525,000 | 16,058,000 |