Call reports 2005
PERENNIAL BANK — 2005
What PERENNIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 21,157,000 | 20,882,000 | 21,059,000 | 22,083,000 |
| Total loans | 10,664,000 | 11,421,000 | 11,850,000 | 11,598,000 |
| Allowance for loan losses | 215,000 | 214,000 | 214,000 | 217,000 |
| Securities available for sale | 7,901,000 | 6,552,000 | 6,983,000 | 7,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,984,000 | 18,582,000 | 18,561,000 | 19,818,000 |
| Interest-bearing deposits | 14,685,000 | 14,397,000 | 14,182,000 | 14,658,000 |
| Noninterest-bearing deposits | 4,299,000 | 4,185,000 | 4,379,000 | 5,160,000 |
| Equity capital | 2,065,000 | 2,167,000 | 2,201,000 | 2,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 297,000 | 598,000 | 910,000 | 1,236,000 |
| Interest expense | 55,000 | 120,000 | 194,000 | 274,000 |
| Net interest income | 242,000 | 478,000 | 716,000 | 962,000 |
| Noninterest income | 40,000 | 84,000 | 130,000 | 178,000 |
| Noninterest expense | 143,000 | 311,000 | 467,000 | 676,000 |
| Provision for loan losses | 6,000 | 10,000 | 14,000 | 20,000 |
| Pretax income | 134,000 | 237,000 | 361,000 | 440,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 134,000 | 237,000 | 361,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,166,000 | 2,166,000 | 2,242,000 | 2,288,000 |
| Total capital | 2,358,000 | 2,366,000 | 2,440,000 | 2,488,000 |
| Risk-weighted assets | 15,349,000 | 16,001,000 | 15,840,000 | 16,046,000 |