Call reports 2005
PENN LIBERTY BANK — 2005
What PENN LIBERTY 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 | 117,841,000 | 142,659,000 | 112,157,000 | 164,991,000 |
| Total loans | 41,822,000 | 64,711,000 | 78,024,000 | 101,474,000 |
| Allowance for loan losses | 460,000 | 705,000 | 850,000 | 1,160,000 |
| Securities available for sale | 73,311,000 | 70,794,000 | 28,531,000 | 59,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,766,000 | 68,892,000 | 82,679,000 | 113,665,000 |
| Interest-bearing deposits | 39,728,000 | 57,768,000 | 73,766,000 | 101,265,000 |
| Noninterest-bearing deposits | 12,038,000 | 11,124,000 | 8,913,000 | 12,400,000 |
| Equity capital | 24,769,000 | 24,248,000 | 23,604,000 | 24,559,000 |
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 | 732,000 | 1,855,000 | 3,364,000 | 5,382,000 |
| Interest expense | 218,000 | 540,000 | 1,097,000 | 1,914,000 |
| Net interest income | 514,000 | 1,315,000 | 2,267,000 | 3,468,000 |
| Noninterest income | 4,000 | 12,000 | 27,000 | 41,000 |
| Noninterest expense | 1,115,000 | 2,322,000 | 3,690,000 | 5,084,000 |
| Provision for loan losses | 260,000 | 505,000 | 650,000 | 960,000 |
| Pretax income | -857,000 | -1,500,000 | -2,046,000 | -2,535,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -857,000 | -1,500,000 | -2,046,000 | -2,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,061,000 | 24,418,000 | 23,873,000 | 24,883,000 |
| Total capital | 25,521,000 | 25,123,000 | 24,723,000 | 26,043,000 |
| Risk-weighted assets | 47,391,000 | 73,347,000 | 80,773,000 | 99,336,000 |
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