Call reports 2014
PERENNIAL BANK — 2014
What PERENNIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 41,563,000 | 39,009,000 | 38,420,000 | 39,247,000 |
| Total loans | 13,066,000 | 13,863,000 | 14,097,000 | 13,431,000 |
| Allowance for loan losses | 350,000 | 337,000 | 337,000 | 210,000 |
| Securities available for sale | 15,189,000 | 15,440,000 | 15,207,000 | 14,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,699,000 | 35,788,000 | 35,032,000 | 35,694,000 |
| Interest-bearing deposits | 27,604,000 | 26,108,000 | 25,596,000 | 26,027,000 |
| Noninterest-bearing deposits | 11,095,000 | 9,680,000 | 9,436,000 | 9,667,000 |
| Equity capital | 2,529,000 | 2,842,000 | 2,995,000 | 3,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 326,000 | 667,000 | 993,000 | 1,353,000 |
| Interest expense | 26,000 | 50,000 | 74,000 | 98,000 |
| Net interest income | 300,000 | 617,000 | 919,000 | 1,255,000 |
| Noninterest income | 48,000 | 96,000 | 154,000 | 222,000 |
| Noninterest expense | 238,000 | 487,000 | 704,000 | 991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 229,000 | 376,000 | 496,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | 229,000 | 376,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,219,000 | 3,275,000 | 3,366,000 | 3,446,000 |
| Total capital | 3,478,000 | 3,526,000 | 3,611,000 | 3,656,000 |
| Risk-weighted assets | 20,794,000 | 20,016,000 | 19,575,000 | 19,591,000 |
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