Call reports 2020
PERENNIAL BANK — 2020
What PERENNIAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 108,184,000 | 120,319,000 | 126,516,000 | 133,278,000 |
| Total loans | 34,207,000 | 37,064,000 | 39,087,000 | 39,742,000 |
| Allowance for loan losses | 548,000 | 549,000 | 553,000 | 549,000 |
| Securities available for sale | 39,142,000 | 38,327,000 | 44,849,000 | 46,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,739,000 | 108,045,000 | 114,018,000 | 120,834,000 |
| Interest-bearing deposits | 67,278,000 | 76,182,000 | 80,854,000 | 84,072,000 |
| Noninterest-bearing deposits | 29,461,000 | 31,863,000 | 33,164,000 | 36,762,000 |
| Equity capital | 10,849,000 | 11,610,000 | 11,763,000 | 11,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,634,000 | 2,427,000 | 3,217,000 |
| Interest expense | 82,000 | 165,000 | 247,000 | 327,000 |
| Net interest income | 773,000 | 1,469,000 | 2,180,000 | 2,890,000 |
| Noninterest income | 97,000 | 346,000 | 442,000 | 565,000 |
| Noninterest expense | 554,000 | 1,111,000 | 1,662,000 | 2,334,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 317,000 | 712,000 | 968,000 | 1,129,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 712,000 | 968,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,031,000 | 10,273,000 | 10,396,000 | 10,528,000 |
| Total capital | 10,553,000 | 10,812,000 | 10,944,000 | 11,077,000 |
| Risk-weighted assets | 41,769,000 | 43,084,000 | 43,847,000 | 46,171,000 |