Call reports 2014
PENN LIBERTY BANK — 2014
What PENN LIBERTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 550,968,000 | 575,905,000 | 597,883,000 | 585,222,000 |
| Total loans | 466,093,000 | 481,744,000 | 488,587,000 | 492,020,000 |
| Allowance for loan losses | 5,970,000 | 6,176,000 | 6,207,000 | 6,050,000 |
| Securities available for sale | 16,652,000 | 16,166,000 | 15,306,000 | 14,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,491,000 | 506,464,000 | 526,398,000 | 513,563,000 |
| Interest-bearing deposits | 380,169,000 | 367,236,000 | 396,534,000 | 357,727,000 |
| Noninterest-bearing deposits | 105,322,000 | 139,228,000 | 129,864,000 | 155,836,000 |
| Equity capital | 60,036,000 | 60,923,000 | 61,544,000 | 62,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,413,000 | 10,992,000 | 16,617,000 | 22,313,000 |
| Interest expense | 597,000 | 1,171,000 | 1,714,000 | 2,232,000 |
| Net interest income | 4,816,000 | 9,821,000 | 14,903,000 | 20,081,000 |
| Noninterest income | 691,000 | 1,533,000 | 2,368,000 | 3,183,000 |
| Noninterest expense | 4,469,000 | 8,751,000 | 13,302,000 | 17,846,000 |
| Provision for loan losses | 255,000 | 710,000 | 915,000 | 1,158,000 |
| Pretax income | 783,000 | 1,893,000 | 3,054,000 | 4,260,000 |
| Income tax | 281,000 | 670,000 | 1,081,000 | 1,453,000 |
| Net income | 502,000 | 1,223,000 | 1,973,000 | 2,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,927,000 | 60,704,000 | 61,402,000 | 62,188,000 |
| Total capital | 65,761,000 | 66,705,000 | 67,473,000 | 68,238,000 |
| Risk-weighted assets | 466,557,000 | 479,867,000 | 485,575,000 | 486,181,000 |