Call reports 2013
PENN LIBERTY BANK — 2013
What PENN LIBERTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 538,421,000 | 551,264,000 | 560,388,000 | 551,825,000 |
| Total loans | 435,754,000 | 450,439,000 | 446,658,000 | 461,908,000 |
| Allowance for loan losses | 6,142,000 | 6,204,000 | 6,016,000 | 5,896,000 |
| Securities available for sale | 3,791,000 | 6,388,000 | 16,542,000 | 17,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,229,000 | 483,877,000 | 494,219,000 | 485,477,000 |
| Interest-bearing deposits | 384,593,000 | 388,130,000 | 385,099,000 | 382,358,000 |
| Noninterest-bearing deposits | 82,636,000 | 95,747,000 | 109,120,000 | 103,119,000 |
| Equity capital | 58,074,000 | 58,395,000 | 59,003,000 | 59,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,390,000 | 10,841,000 | 16,262,000 | 21,689,000 |
| Interest expense | 807,000 | 1,556,000 | 2,290,000 | 2,970,000 |
| Net interest income | 4,583,000 | 9,285,000 | 13,972,000 | 18,719,000 |
| Noninterest income | 711,000 | 1,559,000 | 2,356,000 | 3,093,000 |
| Noninterest expense | 4,330,000 | 8,753,000 | 13,199,000 | 17,388,000 |
| Provision for loan losses | 188,000 | 678,000 | 739,000 | 859,000 |
| Pretax income | 776,000 | 1,413,000 | 2,390,000 | 3,565,000 |
| Income tax | 276,000 | 504,000 | 877,000 | 1,365,000 |
| Net income | 500,000 | 909,000 | 1,513,000 | 2,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,802,000 | 58,162,000 | 58,827,000 | 59,468,000 |
| Total capital | 63,314,000 | 63,910,000 | 64,344,000 | 65,106,000 |
| Risk-weighted assets | 440,338,000 | 459,374,000 | 440,899,000 | 450,801,000 |