Call reports 2016
PERENNIAL BANK — 2016
What PERENNIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,335,000 | 97,399,000 | 97,071,000 | 98,760,000 |
| Total loans | 25,755,000 | 27,054,000 | 27,305,000 | 27,088,000 |
| Allowance for loan losses | 535,000 | 512,000 | 565,000 | 560,000 |
| Securities available for sale | 40,283,000 | 39,967,000 | 41,256,000 | 43,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,305,000 | 87,508,000 | 87,147,000 | 90,184,000 |
| Interest-bearing deposits | 61,655,000 | 63,801,000 | 62,575,000 | 64,505,000 |
| Noninterest-bearing deposits | 23,650,000 | 23,707,000 | 24,572,000 | 25,679,000 |
| Equity capital | 9,575,000 | 9,365,000 | 9,367,000 | 8,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 716,000 | 1,448,000 | 2,189,000 | 2,911,000 |
| Interest expense | 56,000 | 112,000 | 168,000 | 225,000 |
| Net interest income | 660,000 | 1,336,000 | 2,021,000 | 2,686,000 |
| Noninterest income | 87,000 | 187,000 | 286,000 | 392,000 |
| Noninterest expense | 606,000 | 1,159,000 | 1,702,000 | 2,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 364,000 | 602,000 | 745,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 364,000 | 602,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,999,000 | 8,380,000 | 8,536,000 | 8,680,000 |
| Total capital | 9,463,000 | 8,853,000 | 9,009,000 | 9,158,000 |
| Risk-weighted assets | 37,068,000 | 37,783,000 | 37,713,000 | 38,132,000 |