Call reports 2010
PERENNIAL BANK — 2010
What PERENNIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 27,953,000 | 28,421,000 | 28,910,000 | 30,661,000 |
| Total loans | 12,774,000 | 13,297,000 | 13,662,000 | 13,506,000 |
| Allowance for loan losses | 338,000 | 343,000 | 341,000 | 322,000 |
| Securities available for sale | 9,186,000 | 8,794,000 | 9,237,000 | 10,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,160,000 | 25,448,000 | 25,794,000 | 27,848,000 |
| Interest-bearing deposits | 19,106,000 | 19,432,000 | 20,137,000 | 20,292,000 |
| Noninterest-bearing deposits | 6,054,000 | 6,016,000 | 5,657,000 | 7,556,000 |
| Equity capital | 2,594,000 | 2,735,000 | 2,854,000 | 2,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 674,000 | 1,020,000 | 1,366,000 |
| Interest expense | 68,000 | 127,000 | 188,000 | 239,000 |
| Net interest income | 269,000 | 547,000 | 832,000 | 1,127,000 |
| Noninterest income | 44,000 | 88,000 | 135,000 | 199,000 |
| Noninterest expense | 228,000 | 470,000 | 700,000 | 1,012,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 75,000 |
| Pretax income | 70,000 | 135,000 | 223,000 | 240,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 135,000 | 223,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,550,000 | 2,584,000 | 2,647,000 | 2,665,000 |
| Total capital | 2,797,000 | 2,839,000 | 2,904,000 | 2,936,000 |
| Risk-weighted assets | 19,799,000 | 20,329,000 | 20,485,000 | 21,644,000 |
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