Call reports 2005
CENTRAL PENN BANK & TRUST — 2005
What CENTRAL PENN BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 263,296,000 | 268,055,000 | 276,660,000 | 284,146,000 |
| Total loans | 154,269,000 | 157,237,000 | 158,148,000 | 160,926,000 |
| Allowance for loan losses | 1,361,000 | 1,371,000 | 1,371,000 | 1,355,000 |
| Securities available for sale | 87,483,000 | 83,818,000 | 78,732,000 | 84,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,861,000 | 217,962,000 | 226,033,000 | 235,348,000 |
| Interest-bearing deposits | 193,348,000 | 195,720,000 | 204,331,000 | 213,979,000 |
| Noninterest-bearing deposits | 20,513,000 | 22,242,000 | 21,702,000 | 21,369,000 |
| Equity capital | 23,412,000 | 24,086,000 | 24,346,000 | 24,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,304,000 | 6,608,000 | 10,105,000 | 13,700,000 |
| Interest expense | 1,268,000 | 2,604,000 | 4,058,000 | 5,659,000 |
| Net interest income | 2,036,000 | 4,004,000 | 6,047,000 | 8,041,000 |
| Noninterest income | 432,000 | 825,000 | 1,222,000 | 1,615,000 |
| Noninterest expense | 1,435,000 | 2,877,000 | 4,359,000 | 5,976,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 1,021,000 | 1,940,000 | 2,898,000 | 3,702,000 |
| Income tax | 201,000 | 386,000 | 610,000 | 813,000 |
| Net income | 820,000 | 1,554,000 | 2,288,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,010,000 | 23,143,000 | 23,903,000 | 23,827,000 |
| Total capital | 24,371,000 | 24,514,000 | 25,274,000 | 25,182,000 |
| Risk-weighted assets | 172,284,000 | 174,475,000 | 177,642,000 | 181,607,000 |