Call reports 2012
PERENNIAL BANK — 2012
What PERENNIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 33,261,000 | 33,599,000 | 33,857,000 | 35,198,000 |
| Total loans | 12,386,000 | 13,422,000 | 13,446,000 | 12,319,000 |
| Allowance for loan losses | 315,000 | 331,000 | 347,000 | 343,000 |
| Securities available for sale | 12,411,000 | 10,660,000 | 12,305,000 | 14,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,035,000 | 30,193,000 | 30,319,000 | 30,466,000 |
| Interest-bearing deposits | 21,467,000 | 20,768,000 | 21,203,000 | 21,416,000 |
| Noninterest-bearing deposits | 8,568,000 | 9,425,000 | 9,116,000 | 9,049,000 |
| Equity capital | 2,974,000 | 3,113,000 | 3,208,000 | 3,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 329,000 | 666,000 | 1,006,000 | 1,344,000 |
| Interest expense | 36,000 | 62,000 | 101,000 | 133,000 |
| Net interest income | 293,000 | 604,000 | 905,000 | 1,211,000 |
| Noninterest income | 51,000 | 100,000 | 141,000 | 191,000 |
| Noninterest expense | 233,000 | 497,000 | 725,000 | 1,039,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 96,000 | 180,000 | 279,000 | 306,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 96,000 | 180,000 | 279,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,852,000 | 2,893,000 | 2,965,000 | 2,992,000 |
| Total capital | 3,139,000 | 3,205,000 | 3,263,000 | 3,290,000 |
| Risk-weighted assets | 22,926,000 | 24,976,000 | 23,810,000 | 23,779,000 |