Call reports 2009
PERENNIAL BANK — 2009
What PERENNIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 26,057,000 | 25,679,000 | 25,872,000 | 27,813,000 |
| Total loans | 12,762,000 | 13,385,000 | 13,246,000 | 12,696,000 |
| Allowance for loan losses | 275,000 | 315,000 | 341,000 | 324,000 |
| Securities available for sale | 7,784,000 | 7,294,000 | 7,859,000 | 8,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,432,000 | 23,017,000 | 23,024,000 | 25,110,000 |
| Interest-bearing deposits | 18,089,000 | 18,047,000 | 17,756,000 | 17,460,000 |
| Noninterest-bearing deposits | 5,343,000 | 4,970,000 | 5,268,000 | 7,650,000 |
| Equity capital | 2,454,000 | 2,454,000 | 2,629,000 | 2,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 342,000 | 685,000 | 1,035,000 | 1,377,000 |
| Interest expense | 84,000 | 160,000 | 234,000 | 308,000 |
| Net interest income | 258,000 | 525,000 | 801,000 | 1,069,000 |
| Noninterest income | 41,000 | 96,000 | 141,000 | 196,000 |
| Noninterest expense | 191,000 | 417,000 | 622,000 | 936,000 |
| Provision for loan losses | 33,000 | 73,000 | 103,000 | 113,000 |
| Pretax income | 76,000 | 143,000 | 229,000 | 228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 143,000 | 229,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,452,000 | 2,473,000 | 2,530,000 | 2,530,000 |
| Total capital | 2,715,000 | 2,715,000 | 2,771,000 | 2,792,000 |
| Risk-weighted assets | 20,267,000 | 19,309,000 | 19,141,000 | 20,894,000 |