Call reports 2022
PERENNIAL BANK — 2022
What PERENNIAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 152,591,000 | 156,151,000 | 151,720,000 | 151,800,000 |
| Total loans | 40,499,000 | 43,627,000 | 45,833,000 | 46,065,000 |
| Allowance for loan losses | 562,000 | 557,000 | 557,000 | 565,000 |
| Securities available for sale | 71,985,000 | 70,583,000 | 71,490,000 | 72,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,038,000 | 149,297,000 | 147,180,000 | 145,776,000 |
| Interest-bearing deposits | 103,442,000 | 103,082,000 | 101,856,000 | 100,901,000 |
| Noninterest-bearing deposits | 40,596,000 | 46,215,000 | 45,324,000 | 44,875,000 |
| Equity capital | 7,968,000 | 6,225,000 | 3,841,000 | 5,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,605,000 | 2,585,000 | 3,670,000 |
| Interest expense | 70,000 | 141,000 | 232,000 | 360,000 |
| Net interest income | 696,000 | 1,464,000 | 2,353,000 | 3,310,000 |
| Noninterest income | 358,000 | 452,000 | 556,000 | 658,000 |
| Noninterest expense | 654,000 | 1,263,000 | 1,888,000 | 2,503,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 400,000 | 652,000 | 1,022,000 | 1,430,000 |
| Income tax | 0 | 0 | 0 | 103,000 |
| Net income | 400,000 | 652,000 | 1,022,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,646,000 | 11,825,000 | 12,115,000 | 12,296,000 |
| Total capital | 12,208,000 | 12,382,000 | 12,672,000 | 12,861,000 |
| Risk-weighted assets | 51,001,000 | 53,565,000 | 53,836,000 | 53,020,000 |