Call reports 2010
PENN LIBERTY BANK — 2010
What PENN LIBERTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 426,782,000 | 451,088,000 | 464,777,000 | 470,990,000 |
| Total loans | 371,472,000 | 386,297,000 | 395,217,000 | 403,227,000 |
| Allowance for loan losses | 4,996,000 | 5,210,000 | 5,311,000 | 5,448,000 |
| Securities available for sale | 12,493,000 | 11,580,000 | 10,528,000 | 9,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,675,000 | 387,606,000 | 398,274,000 | 407,743,000 |
| Interest-bearing deposits | 326,330,000 | 338,751,000 | 348,539,000 | 351,412,000 |
| Noninterest-bearing deposits | 41,345,000 | 48,855,000 | 49,735,000 | 56,331,000 |
| Equity capital | 40,577,000 | 40,720,000 | 40,973,000 | 41,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,192,000 | 10,419,000 | 15,831,000 | 21,535,000 |
| Interest expense | 1,830,000 | 3,568,000 | 5,290,000 | 6,923,000 |
| Net interest income | 3,362,000 | 6,851,000 | 10,541,000 | 14,612,000 |
| Noninterest income | 212,000 | 482,000 | 838,000 | 1,411,000 |
| Noninterest expense | 3,045,000 | 6,222,000 | 9,521,000 | 13,129,000 |
| Provision for loan losses | 420,000 | 848,000 | 1,248,000 | 1,573,000 |
| Pretax income | 109,000 | 263,000 | 610,000 | 1,321,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 263,000 | 610,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,233,000 | 40,252,000 | 40,463,000 | 41,038,000 |
| Total capital | 44,901,000 | 45,017,000 | 45,384,000 | 46,072,000 |
| Risk-weighted assets | 373,096,000 | 380,771,000 | 393,324,000 | 402,322,000 |
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