Call reports 2003
CENTRAL PENN BANK & TRUST — 2003
What CENTRAL PENN BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 240,300,000 | 253,774,000 | 265,138,000 | 269,817,000 |
| Total loans | 136,916,000 | 134,090,000 | 131,675,000 | 133,642,000 |
| Allowance for loan losses | 1,901,000 | 1,892,000 | 1,870,000 | 1,832,000 |
| Securities available for sale | 75,855,000 | 79,455,000 | 91,459,000 | 94,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,105,000 | 202,330,000 | 214,176,000 | 218,918,000 |
| Interest-bearing deposits | 179,600,000 | 185,008,000 | 195,675,000 | 198,823,000 |
| Noninterest-bearing deposits | 17,505,000 | 17,322,000 | 18,501,000 | 20,095,000 |
| Equity capital | 24,001,000 | 24,398,000 | 23,484,000 | 23,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,259,000 | 6,420,000 | 9,539,000 | 12,747,000 |
| Interest expense | 1,444,000 | 2,854,000 | 4,248,000 | 5,639,000 |
| Net interest income | 1,815,000 | 3,566,000 | 5,291,000 | 7,108,000 |
| Noninterest income | 308,000 | 663,000 | 1,155,000 | 1,598,000 |
| Noninterest expense | 1,275,000 | 2,641,000 | 3,994,000 | 5,320,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 848,000 | 1,720,000 | 2,584,000 | 3,518,000 |
| Income tax | 207,000 | 397,000 | 565,000 | 715,000 |
| Net income | 641,000 | 1,323,000 | 2,019,000 | 2,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,908,000 | 22,097,000 | 22,050,000 | 22,230,000 |
| Total capital | 23,777,000 | 23,983,000 | 23,921,000 | 24,063,000 |
| Risk-weighted assets | 149,432,000 | 150,821,000 | 150,422,000 | 152,410,000 |