Call reports 2007
NATIONAL PENN BANK — 2007
What NATIONAL PENN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 5,485,371,000 | 5,592,007,000 | 5,736,333,000 | 5,797,315,000 |
| Total loans | 3,689,216,000 | 3,742,737,000 | 3,799,052,000 | 3,887,504,000 |
| Allowance for loan losses | 57,771,000 | 57,004,000 | 56,294,000 | 54,897,000 |
| Securities available for sale | 979,477,000 | 996,484,000 | 1,107,244,000 | 1,071,962,000 |
| Securities held to maturity | 248,542,000 | 245,964,000 | 244,815,000 | 243,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,735,090,000 | 3,827,859,000 | 3,934,934,000 | 3,955,754,000 |
| Interest-bearing deposits | 3,207,736,000 | 3,309,338,000 | 3,442,822,000 | 3,428,815,000 |
| Noninterest-bearing deposits | 527,354,000 | 518,521,000 | 492,112,000 | 526,939,000 |
| Equity capital | 654,184,000 | 653,898,000 | 666,041,000 | 671,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 79,974,000 | 162,503,000 | 248,100,000 | 334,461,000 |
| Interest expense | 39,677,000 | 81,276,000 | 125,139,000 | 168,398,000 |
| Net interest income | 40,297,000 | 81,227,000 | 122,961,000 | 166,063,000 |
| Noninterest income | 16,505,000 | 33,586,000 | 49,737,000 | 65,656,000 |
| Noninterest expense | 33,667,000 | 67,644,000 | 101,665,000 | 138,425,000 |
| Provision for loan losses | 1,075,000 | 2,612,000 | 4,032,000 | 7,832,000 |
| Pretax income | 22,060,000 | 44,557,000 | 67,001,000 | 85,487,000 |
| Income tax | 5,147,000 | 10,244,000 | 15,495,000 | 18,473,000 |
| Net income | 16,913,000 | 34,313,000 | 51,506,000 | 67,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 376,237,000 | 388,339,000 | 396,291,000 | 399,166,000 |
| Total capital | 427,118,000 | 440,638,000 | 450,499,000 | 454,063,000 |
| Risk-weighted assets | 4,063,566,000 | 4,179,211,000 | 4,334,540,000 | 4,441,808,000 |
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