Call reports 2015
PERENNIAL BANK — 2015
What PERENNIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 40,513,000 | 39,024,000 | 40,051,000 | 41,301,000 |
| Total loans | 13,674,000 | 14,135,000 | 15,599,000 | 14,985,000 |
| Allowance for loan losses | 251,000 | 259,000 | 246,000 | 247,000 |
| Securities available for sale | 15,497,000 | 14,607,000 | 14,241,000 | 14,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,662,000 | 35,363,000 | 36,098,000 | 37,418,000 |
| Interest-bearing deposits | 25,181,000 | 25,003,000 | 24,928,000 | 25,517,000 |
| Noninterest-bearing deposits | 11,481,000 | 10,360,000 | 11,170,000 | 11,901,000 |
| Equity capital | 3,493,000 | 3,265,000 | 3,535,000 | 3,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 326,000 | 637,000 | 983,000 | 1,322,000 |
| Interest expense | 24,000 | 48,000 | 70,000 | 93,000 |
| Net interest income | 302,000 | 589,000 | 913,000 | 1,229,000 |
| Noninterest income | 53,000 | 114,000 | 169,000 | 232,000 |
| Noninterest expense | 203,000 | 426,000 | 659,000 | 994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 152,000 | 277,000 | 423,000 | 462,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 277,000 | 423,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,518,000 | 3,545,000 | 3,638,000 | 3,678,000 |
| Total capital | 3,757,000 | 3,787,000 | 3,884,000 | 3,925,000 |
| Risk-weighted assets | 19,115,000 | 19,375,000 | 20,841,000 | 20,639,000 |