Call reports 2008
PENN LIBERTY BANK — 2008
What PENN LIBERTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 295,820,000 | 299,603,000 | 327,441,000 | 368,235,000 |
| Total loans | 250,978,000 | 276,629,000 | 300,178,000 | 331,998,000 |
| Allowance for loan losses | 3,000,000 | 3,523,000 | 3,781,000 | 4,325,000 |
| Securities available for sale | 4,677,000 | 9,270,000 | 12,779,000 | 14,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,559,000 | 248,780,000 | 271,633,000 | 316,951,000 |
| Interest-bearing deposits | 218,048,000 | 219,643,000 | 239,958,000 | 278,741,000 |
| Noninterest-bearing deposits | 28,511,000 | 29,137,000 | 31,675,000 | 38,210,000 |
| Equity capital | 36,637,000 | 36,044,000 | 35,889,000 | 34,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,410,000 | 8,757,000 | 13,424,000 | 18,296,000 |
| Interest expense | 2,068,000 | 3,987,000 | 5,972,000 | 8,231,000 |
| Net interest income | 2,342,000 | 4,770,000 | 7,452,000 | 10,065,000 |
| Noninterest income | 146,000 | 360,000 | 556,000 | 748,000 |
| Noninterest expense | 2,609,000 | 5,214,000 | 7,985,000 | 11,033,000 |
| Provision for loan losses | 250,000 | 795,000 | 1,070,000 | 2,017,000 |
| Pretax income | -371,000 | -879,000 | -1,047,000 | -2,237,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -371,000 | -879,000 | -1,047,000 | -2,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,614,000 | 36,105,000 | 35,937,000 | 34,748,000 |
| Total capital | 39,614,000 | 39,552,000 | 39,664,000 | 38,907,000 |
| Risk-weighted assets | 254,807,000 | 275,688,000 | 298,123,000 | 332,534,000 |
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