Call reports 2004
PERENNIAL BANK — 2004
What PERENNIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,885,000 | 21,567,000 | 21,191,000 | 21,695,000 |
| Total loans | 10,914,000 | 10,471,000 | 10,962,000 | 11,138,000 |
| Allowance for loan losses | 208,000 | 208,000 | 208,000 | 208,000 |
| Securities available for sale | 7,575,000 | 7,358,000 | 8,013,000 | 7,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,019,000 | 19,303,000 | 18,742,000 | 19,293,000 |
| Interest-bearing deposits | 14,160,000 | 14,716,000 | 14,313,000 | 14,484,000 |
| Noninterest-bearing deposits | 3,859,000 | 4,587,000 | 4,429,000 | 4,809,000 |
| Equity capital | 2,337,000 | 2,137,000 | 2,287,000 | 2,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 303,000 | 605,000 | 907,000 | 1,216,000 |
| Interest expense | 56,000 | 110,000 | 160,000 | 213,000 |
| Net interest income | 247,000 | 495,000 | 747,000 | 1,003,000 |
| Noninterest income | 48,000 | 93,000 | 133,000 | 173,000 |
| Noninterest expense | 142,000 | 308,000 | 468,000 | 627,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 9,000 |
| Pretax income | 149,000 | 276,000 | 408,000 | 541,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 276,000 | 408,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,129,000 | 2,139,000 | 2,216,000 | 2,292,000 |
| Total capital | 2,322,000 | 2,343,000 | 2,409,000 | 2,496,000 |
| Risk-weighted assets | 15,444,000 | 16,345,000 | 15,435,000 | 16,311,000 |