Call reports 2021
PERENNIAL BANK — 2021
What PERENNIAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 140,179,000 | 144,667,000 | 149,866,000 | 151,735,000 |
| Total loans | 40,470,000 | 40,800,000 | 39,327,000 | 38,727,000 |
| Allowance for loan losses | 550,000 | 549,000 | 574,000 | 564,000 |
| Securities available for sale | 49,318,000 | 53,261,000 | 62,233,000 | 73,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,887,000 | 132,126,000 | 137,175,000 | 139,686,000 |
| Interest-bearing deposits | 89,621,000 | 93,974,000 | 98,718,000 | 98,524,000 |
| Noninterest-bearing deposits | 38,266,000 | 38,152,000 | 38,457,000 | 41,162,000 |
| Equity capital | 11,696,000 | 11,880,000 | 11,970,000 | 11,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,467,000 | 2,211,000 | 2,969,000 |
| Interest expense | 73,000 | 138,000 | 206,000 | 277,000 |
| Net interest income | 671,000 | 1,329,000 | 2,005,000 | 2,692,000 |
| Noninterest income | 312,000 | 567,000 | 713,000 | 810,000 |
| Noninterest expense | 558,000 | 1,105,000 | 1,669,000 | 2,336,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 425,000 | 791,000 | 1,054,000 | 1,171,000 |
| Income tax | 0 | 0 | 0 | 102,000 |
| Net income | 425,000 | 791,000 | 1,054,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,952,000 | 11,027,000 | 11,231,000 | 11,247,000 |
| Total capital | 11,502,000 | 11,576,000 | 11,805,000 | 11,811,000 |
| Risk-weighted assets | 46,683,000 | 48,688,000 | 49,564,000 | 48,952,000 |
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