Call reports 2012
PENN LIBERTY BANK — 2012
What PENN LIBERTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 537,611,000 | 552,298,000 | 541,547,000 | 565,636,000 |
| Total loans | 425,399,000 | 436,922,000 | 430,481,000 | 441,175,000 |
| Allowance for loan losses | 5,957,000 | 6,036,000 | 5,978,000 | 6,250,000 |
| Securities available for sale | 5,864,000 | 5,292,000 | 4,761,000 | 4,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,795,000 | 477,201,000 | 467,166,000 | 492,608,000 |
| Interest-bearing deposits | 388,270,000 | 387,670,000 | 389,773,000 | 404,290,000 |
| Noninterest-bearing deposits | 77,525,000 | 89,531,000 | 77,393,000 | 88,318,000 |
| Equity capital | 56,280,000 | 56,797,000 | 57,368,000 | 57,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,716,000 | 11,445,000 | 17,094,000 | 22,684,000 |
| Interest expense | 1,326,000 | 2,607,000 | 3,773,000 | 4,721,000 |
| Net interest income | 4,390,000 | 8,838,000 | 13,321,000 | 17,963,000 |
| Noninterest income | 601,000 | 1,570,000 | 2,188,000 | 2,810,000 |
| Noninterest expense | 4,015,000 | 7,884,000 | 11,829,000 | 15,902,000 |
| Provision for loan losses | 228,000 | 866,000 | 1,066,000 | 1,608,000 |
| Pretax income | 748,000 | 1,658,000 | 2,614,000 | 3,263,000 |
| Income tax | 255,000 | 564,000 | 890,000 | 1,162,000 |
| Net income | 493,000 | 1,094,000 | 1,724,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,925,000 | 56,445,000 | 57,026,000 | 57,353,000 |
| Total capital | 61,281,000 | 61,991,000 | 62,509,000 | 62,980,000 |
| Risk-weighted assets | 427,867,000 | 443,164,000 | 438,182,000 | 449,534,000 |