Call reports 2007
PERENNIAL BANK — 2007
What PERENNIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 21,848,000 | 20,713,000 | 22,242,000 | 23,602,000 |
| Total loans | 11,863,000 | 12,548,000 | 12,203,000 | 12,080,000 |
| Allowance for loan losses | 243,000 | 244,000 | 248,000 | 238,000 |
| Securities available for sale | 6,705,000 | 5,509,000 | 5,684,000 | 6,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,456,000 | 18,115,000 | 19,709,000 | 21,026,000 |
| Interest-bearing deposits | 15,016,000 | 14,022,000 | 14,698,000 | 15,587,000 |
| Noninterest-bearing deposits | 4,440,000 | 4,093,000 | 5,011,000 | 5,439,000 |
| Equity capital | 2,219,000 | 2,183,000 | 2,310,000 | 2,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 675,000 | 1,018,000 | 1,367,000 |
| Interest expense | 119,000 | 239,000 | 362,000 | 478,000 |
| Net interest income | 218,000 | 436,000 | 656,000 | 889,000 |
| Noninterest income | 52,000 | 96,000 | 143,000 | 192,000 |
| Noninterest expense | 148,000 | 304,000 | 462,000 | 670,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 20,000 |
| Pretax income | 116,000 | 216,000 | 313,000 | 385,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 116,000 | 216,000 | 313,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,307,000 | 2,319,000 | 2,367,000 | 2,427,000 |
| Total capital | 2,517,000 | 2,515,000 | 2,592,000 | 2,662,000 |
| Risk-weighted assets | 16,792,000 | 16,610,000 | 18,012,000 | 18,833,000 |