Call reports 2005
NATIONAL PENN BANK — 2005
What NATIONAL PENN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 4,496,916,000 | 4,538,063,000 | 4,523,748,000 | 4,549,028,000 |
| Total loans | 2,928,637,000 | 2,984,045,000 | 3,011,656,000 | 3,049,808,000 |
| Allowance for loan losses | 57,585,000 | 56,035,000 | 56,255,000 | 56,064,000 |
| Securities available for sale | 989,968,000 | 955,932,000 | 953,955,000 | 883,973,000 |
| Securities held to maturity | 116,663,000 | 117,465,000 | 113,573,000 | 150,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,971,714,000 | 3,064,477,000 | 3,298,033,000 | 3,309,076,000 |
| Interest-bearing deposits | 2,833,280,000 | 2,915,686,000 | 3,147,478,000 | 2,799,143,000 |
| Noninterest-bearing deposits | 138,434,000 | 148,791,000 | 150,555,000 | 509,933,000 |
| Equity capital | 502,987,000 | 513,504,000 | 518,254,000 | 520,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 56,341,000 | 115,705,000 | 177,433,000 | 240,295,000 |
| Interest expense | 17,859,000 | 38,172,000 | 60,821,000 | 85,029,000 |
| Net interest income | 38,482,000 | 77,533,000 | 116,612,000 | 155,266,000 |
| Noninterest income | 12,207,000 | 27,731,000 | 41,524,000 | 54,903,000 |
| Noninterest expense | 29,737,000 | 62,186,000 | 93,534,000 | 122,857,000 |
| Provision for loan losses | 750,000 | 1,700,000 | 2,450,000 | 3,200,000 |
| Pretax income | 20,160,000 | 41,423,000 | 62,197,000 | 83,922,000 |
| Income tax | 5,517,000 | 11,204,000 | 16,243,000 | 21,322,000 |
| Net income | 14,643,000 | 30,219,000 | 45,954,000 | 62,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 292,810,000 | 301,018,000 | 309,319,000 | 317,786,000 |
| Total capital | 333,879,000 | 343,002,000 | 351,542,000 | 360,441,000 |
| Risk-weighted assets | 3,269,019,000 | 3,344,704,000 | 3,363,826,000 | 3,398,971,000 |
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