Call reports 2007
PENN LIBERTY BANK — 2007
What PENN LIBERTY 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 | 302,354,000 | 296,709,000 | 316,418,000 | 285,235,000 |
| Total loans | 190,012,000 | 203,928,000 | 217,522,000 | 238,666,000 |
| Allowance for loan losses | 2,320,000 | 2,470,000 | 2,615,000 | 2,750,000 |
| Securities available for sale | 97,375,000 | 78,759,000 | 83,343,000 | 30,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,528,000 | 202,448,000 | 218,357,000 | 223,625,000 |
| Interest-bearing deposits | 181,555,000 | 177,164,000 | 194,860,000 | 197,175,000 |
| Noninterest-bearing deposits | 24,973,000 | 25,284,000 | 23,497,000 | 26,450,000 |
| Equity capital | 36,827,000 | 36,691,000 | 36,801,000 | 36,861,000 |
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 | 3,838,000 | 8,072,000 | 12,650,000 | 17,172,000 |
| Interest expense | 1,888,000 | 4,056,000 | 6,419,000 | 8,683,000 |
| Net interest income | 1,950,000 | 4,016,000 | 6,231,000 | 8,489,000 |
| Noninterest income | 122,000 | 261,000 | 429,000 | 588,000 |
| Noninterest expense | 2,181,000 | 4,335,000 | 6,561,000 | 8,803,000 |
| Provision for loan losses | 320,000 | 470,000 | 615,000 | 750,000 |
| Pretax income | -429,000 | -528,000 | -516,000 | -476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -429,000 | -528,000 | -516,000 | -476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,031,000 | 36,933,000 | 36,944,000 | 36,985,000 |
| Total capital | 39,351,000 | 39,403,000 | 39,559,000 | 39,735,000 |
| Risk-weighted assets | 219,069,000 | 222,011,000 | 235,123,000 | 246,581,000 |
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