Call reports 2011
PERENNIAL BANK — 2011
What PERENNIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,251,000 | 30,416,000 | 33,746,000 | 34,091,000 |
| Total loans | 13,211,000 | 13,279,000 | 13,070,000 | 12,842,000 |
| Allowance for loan losses | 335,000 | 339,000 | 331,000 | 300,000 |
| Securities available for sale | 10,234,000 | 9,107,000 | 10,625,000 | 11,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,361,000 | 27,264,000 | 30,452,000 | 30,843,000 |
| Interest-bearing deposits | 20,105,000 | 19,982,000 | 20,452,000 | 22,568,000 |
| Noninterest-bearing deposits | 8,256,000 | 7,282,000 | 10,000,000 | 8,275,000 |
| Equity capital | 2,659,000 | 2,876,000 | 2,996,000 | 3,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 679,000 | 1,025,000 | 1,369,000 |
| Interest expense | 47,000 | 94,000 | 135,000 | 172,000 |
| Net interest income | 290,000 | 585,000 | 890,000 | 1,197,000 |
| Noninterest income | 45,000 | 91,000 | 134,000 | 184,000 |
| Noninterest expense | 246,000 | 499,000 | 736,000 | 1,039,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 76,000 | 155,000 | 243,000 | 290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 155,000 | 243,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,680,000 | 2,723,000 | 2,790,000 | 2,836,000 |
| Total capital | 2,959,000 | 2,999,000 | 3,095,000 | 3,135,000 |
| Risk-weighted assets | 22,259,000 | 22,341,000 | 24,368,000 | 23,903,000 |