Call reports 2006
PENN LIBERTY BANK — 2006
What PENN LIBERTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 208,589,000 | 220,290,000 | 253,960,000 | 263,776,000 |
| Total loans | 121,639,000 | 131,450,000 | 145,900,000 | 163,375,000 |
| Allowance for loan losses | 1,400,000 | 1,515,000 | 1,700,000 | 2,000,000 |
| Securities available for sale | 77,806,000 | 75,315,000 | 94,038,000 | 86,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,838,000 | 133,170,000 | 152,622,000 | 153,058,000 |
| Interest-bearing deposits | 109,636,000 | 117,547,000 | 135,683,000 | 134,834,000 |
| Noninterest-bearing deposits | 17,202,000 | 15,623,000 | 16,939,000 | 18,224,000 |
| Equity capital | 33,943,000 | 37,427,000 | 37,408,000 | 37,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,375,000 | 5,181,000 | 8,469,000 | 12,026,000 |
| Interest expense | 986,000 | 2,160,000 | 3,637,000 | 5,326,000 |
| Net interest income | 1,389,000 | 3,021,000 | 4,832,000 | 6,700,000 |
| Noninterest income | 32,000 | 68,000 | 135,000 | 210,000 |
| Noninterest expense | 1,770,000 | 3,587,000 | 5,444,000 | 7,335,000 |
| Provision for loan losses | 240,000 | 355,000 | 540,000 | 840,000 |
| Pretax income | -589,000 | -853,000 | -1,017,000 | -1,265,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -589,000 | -853,000 | -1,017,000 | -1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,362,000 | 37,872,000 | 37,709,000 | 37,460,000 |
| Total capital | 35,762,000 | 39,387,000 | 39,409,000 | 39,460,000 |
| Risk-weighted assets | 124,135,000 | 138,154,000 | 172,729,000 | 187,490,000 |
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