Call reports 2005
AFFINITY BANK OF PENNSYLVANIA — 2005
What AFFINITY BANK OF PENNSYLVANIA 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 | 98,010,000 | 96,355,000 | 92,440,000 | 94,820,000 |
| Total loans | 31,165,000 | 33,978,000 | 38,610,000 | 41,341,000 |
| Allowance for loan losses | 415,000 | 445,000 | 490,000 | 515,000 |
| Securities available for sale | 62,707,000 | 52,689,000 | 50,567,000 | 49,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,318,000 | 82,063,000 | 69,951,000 | 76,221,000 |
| Interest-bearing deposits | 82,268,000 | 74,519,000 | 65,796,000 | 71,235,000 |
| Noninterest-bearing deposits | 4,050,000 | 7,544,000 | 4,155,000 | 4,986,000 |
| Equity capital | 11,466,000 | 11,931,000 | 11,764,000 | 11,395,000 |
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 | 964,000 | 1,942,000 | 2,973,000 | 4,072,000 |
| Interest expense | 445,000 | 885,000 | 1,368,000 | 1,933,000 |
| Net interest income | 519,000 | 1,057,000 | 1,605,000 | 2,139,000 |
| Noninterest income | 11,000 | 28,000 | 56,000 | 74,000 |
| Noninterest expense | 473,000 | 945,000 | 1,420,000 | 2,005,000 |
| Provision for loan losses | 25,000 | 55,000 | 100,000 | 125,000 |
| Pretax income | 7,000 | 60,000 | 116,000 | 58,000 |
| Income tax | 0 | 6,000 | 11,000 | 6,000 |
| Net income | 7,000 | 54,000 | 105,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,229,000 | 12,158,000 | 12,214,000 | 11,914,000 |
| Total capital | 12,644,000 | 12,603,000 | 12,704,000 | 12,429,000 |
| Risk-weighted assets | 43,628,000 | 44,788,000 | 47,506,000 | 49,965,000 |