Call reports 2013
PERENNIAL BANK — 2013
What PERENNIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,781,000 | 37,063,000 | 37,388,000 | 39,124,000 |
| Total loans | 11,230,000 | 11,609,000 | 12,229,000 | 13,079,000 |
| Allowance for loan losses | 350,000 | 346,000 | 348,000 | 349,000 |
| Securities available for sale | 14,950,000 | 15,406,000 | 15,258,000 | 14,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,342,000 | 33,052,000 | 34,617,000 | 36,614,000 |
| Interest-bearing deposits | 22,867,000 | 24,010,000 | 25,200,000 | 26,583,000 |
| Noninterest-bearing deposits | 10,475,000 | 9,042,000 | 9,417,000 | 10,031,000 |
| Equity capital | 3,147,000 | 2,475,000 | 2,414,000 | 2,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 288,000 | 635,000 | 972,000 | 1,336,000 |
| Interest expense | 31,000 | 55,000 | 87,000 | 111,000 |
| Net interest income | 257,000 | 580,000 | 885,000 | 1,225,000 |
| Noninterest income | 44,000 | 93,000 | 139,000 | 189,000 |
| Noninterest expense | 202,000 | 484,000 | 712,000 | 1,039,000 |
| Provision for loan losses | 6,000 | 10,000 | 13,000 | 14,000 |
| Pretax income | 93,000 | 189,000 | 309,000 | 371,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 189,000 | 309,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,005,000 | 3,057,000 | 3,138,000 | 3,189,000 |
| Total capital | 3,318,000 | 3,285,000 | 3,373,000 | 3,426,000 |
| Risk-weighted assets | 25,031,000 | 18,101,000 | 18,704,000 | 19,355,000 |