Call reports 2025
PERENNIAL BANK — 2025
What PERENNIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 145,471,000 | 148,533,000 | 149,747,000 | 156,675,000 |
| Total loans | 59,130,000 | 61,262,000 | 61,730,000 | 62,546,000 |
| Allowance for loan losses | 774,000 | 752,000 | 813,000 | 833,000 |
| Securities available for sale | 55,976,000 | 55,622,000 | 55,112,000 | 57,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,629,000 | 136,741,000 | 136,934,000 | 143,439,000 |
| Interest-bearing deposits | 93,066,000 | 97,053,000 | 97,831,000 | 100,296,000 |
| Noninterest-bearing deposits | 41,563,000 | 39,688,000 | 39,103,000 | 43,143,000 |
| Equity capital | 10,109,000 | 10,917,000 | 11,693,000 | 12,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,353,000 | 2,801,000 | 4,306,000 | 5,879,000 |
| Interest expense | 393,000 | 805,000 | 1,241,000 | 1,697,000 |
| Net interest income | 960,000 | 1,996,000 | 3,065,000 | 4,182,000 |
| Noninterest income | 89,000 | 173,000 | 270,000 | 355,000 |
| Noninterest expense | 657,000 | 1,340,000 | 2,039,000 | 2,781,000 |
| Provision for loan losses | 45,000 | 28,000 | 89,000 | 146,000 |
| Pretax income | 341,000 | 733,000 | 1,155,000 | 1,566,000 |
| Income tax | 2,000 | 36,000 | 62,000 | 124,000 |
| Net income | 339,000 | 697,000 | 1,093,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,233,000 | 14,397,000 | 14,493,000 | 14,761,000 |
| Total capital | 15,003,000 | 15,200,000 | 15,294,000 | 15,565,000 |
| Risk-weighted assets | 61,600,000 | 64,225,000 | 63,929,000 | 64,285,000 |