Call reports 2004
CENTRAL PENN BANK & TRUST — 2004
What CENTRAL PENN BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 266,429,000 | 263,338,000 | 275,709,000 | 273,150,000 |
| Total loans | 140,573,000 | 142,021,000 | 151,520,000 | 154,309,000 |
| Allowance for loan losses | 1,827,000 | 1,530,000 | 1,515,000 | 1,361,000 |
| Securities available for sale | 98,215,000 | 96,668,000 | 94,175,000 | 91,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,832,000 | 215,197,000 | 226,198,000 | 224,445,000 |
| Interest-bearing deposits | 197,409,000 | 194,762,000 | 202,034,000 | 202,276,000 |
| Noninterest-bearing deposits | 17,423,000 | 20,435,000 | 24,164,000 | 22,169,000 |
| Equity capital | 25,020,000 | 23,193,000 | 23,713,000 | 23,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,225,000 | 6,311,000 | 9,514,000 | 12,842,000 |
| Interest expense | 1,343,000 | 2,610,000 | 3,846,000 | 5,097,000 |
| Net interest income | 1,882,000 | 3,701,000 | 5,668,000 | 7,745,000 |
| Noninterest income | 382,000 | 792,000 | 2,151,000 | 2,524,000 |
| Noninterest expense | 1,380,000 | 2,772,000 | 4,399,000 | 6,117,000 |
| Provision for loan losses | 0 | -300,000 | -300,000 | -300,000 |
| Pretax income | 954,000 | 2,097,000 | 3,809,000 | 4,541,000 |
| Income tax | 228,000 | 494,000 | 963,000 | 1,166,000 |
| Net income | 726,000 | 1,603,000 | 2,846,000 | 3,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,985,000 | 22,840,000 | 22,425,000 | 22,314,000 |
| Total capital | 24,813,000 | 24,371,000 | 23,941,000 | 23,676,000 |
| Risk-weighted assets | 156,422,000 | 161,716,000 | 166,403,000 | 173,617,000 |