Call reports 2019
PERENNIAL BANK — 2019
What PERENNIAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 108,974,000 | 106,111,000 | 103,237,000 | 107,601,000 |
| Total loans | 32,154,000 | 34,103,000 | 34,156,000 | 33,455,000 |
| Allowance for loan losses | 571,000 | 572,000 | 574,000 | 547,000 |
| Securities available for sale | 45,568,000 | 44,463,000 | 43,472,000 | 41,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,071,000 | 95,416,000 | 92,117,000 | 96,609,000 |
| Interest-bearing deposits | 71,978,000 | 68,517,000 | 65,803,000 | 67,177,000 |
| Noninterest-bearing deposits | 27,093,000 | 26,899,000 | 26,314,000 | 29,432,000 |
| Equity capital | 9,349,000 | 10,064,000 | 10,431,000 | 10,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,687,000 | 2,546,000 | 3,401,000 |
| Interest expense | 82,000 | 165,000 | 251,000 | 334,000 |
| Net interest income | 759,000 | 1,522,000 | 2,295,000 | 3,067,000 |
| Noninterest income | 106,000 | 232,000 | 334,000 | 435,000 |
| Noninterest expense | 558,000 | 1,102,000 | 1,630,000 | 2,304,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 292,000 | 638,000 | 984,000 | 1,181,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 292,000 | 638,000 | 984,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,513,000 | 9,665,000 | 9,904,000 | 10,013,000 |
| Total capital | 10,040,000 | 10,198,000 | 10,431,000 | 10,533,000 |
| Risk-weighted assets | 42,108,000 | 42,581,000 | 42,105,000 | 41,555,000 |