Call reports 2015
PENN LIBERTY BANK — 2015
What PENN LIBERTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 622,217,000 | 639,176,000 | 649,408,000 | 701,805,000 |
| Total loans | 497,187,000 | 505,332,000 | 510,086,000 | 509,838,000 |
| Allowance for loan losses | 6,117,000 | 6,080,000 | 6,120,000 | 5,910,000 |
| Securities available for sale | 14,084,000 | 23,191,000 | 21,891,000 | 95,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,362,000 | 556,471,000 | 560,017,000 | 621,969,000 |
| Interest-bearing deposits | 349,789,000 | 338,350,000 | 367,778,000 | 391,410,000 |
| Noninterest-bearing deposits | 189,573,000 | 218,121,000 | 192,239,000 | 230,559,000 |
| Equity capital | 63,100,000 | 63,709,000 | 64,685,000 | 64,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,551,000 | 11,255,000 | 17,084,000 | 22,936,000 |
| Interest expense | 469,000 | 919,000 | 1,362,000 | 1,800,000 |
| Net interest income | 5,082,000 | 10,336,000 | 15,722,000 | 21,136,000 |
| Noninterest income | 623,000 | 1,201,000 | 1,846,000 | 2,542,000 |
| Noninterest expense | 4,518,000 | 8,965,000 | 13,386,000 | 19,445,000 |
| Provision for loan losses | 255,000 | 535,000 | 645,000 | 660,000 |
| Pretax income | 932,000 | 2,037,000 | 3,537,000 | 3,573,000 |
| Income tax | 316,000 | 679,000 | 1,171,000 | 1,278,000 |
| Net income | 616,000 | 1,358,000 | 2,366,000 | 2,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,873,000 | 63,564,000 | 64,511,000 | 64,397,000 |
| Total capital | 68,990,000 | 69,644,000 | 70,631,000 | 70,307,000 |
| Risk-weighted assets | 495,884,000 | 508,116,000 | 514,838,000 | 518,533,000 |