Call reports 2003
PENN COMMUNITY BANK — 2003
What PENN COMMUNITY BANK 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 | 814,398,000 | 830,096,000 | 867,490,000 | 856,064,000 |
| Total loans | 406,964,000 | 413,524,000 | 422,952,000 | 424,493,000 |
| Allowance for loan losses | 6,055,000 | 6,120,000 | 6,117,000 | 6,117,000 |
| Securities available for sale | 344,702,000 | 343,300,000 | 373,257,000 | 379,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,867,000 | 559,565,000 | 563,660,000 | 554,489,000 |
| Interest-bearing deposits | 514,127,000 | 521,175,000 | 525,893,000 | 503,058,000 |
| Noninterest-bearing deposits | 30,740,000 | 38,390,000 | 37,767,000 | 51,431,000 |
| Equity capital | 100,570,000 | 105,246,000 | 103,505,000 | 106,137,000 |
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 | 10,149,000 | 20,050,000 | 29,616,000 | 39,236,000 |
| Interest expense | 5,592,000 | 11,007,000 | 16,407,000 | 21,694,000 |
| Net interest income | 4,557,000 | 9,043,000 | 13,209,000 | 17,542,000 |
| Noninterest income | 938,000 | 1,952,000 | 2,790,000 | 3,570,000 |
| Noninterest expense | 2,721,000 | 5,305,000 | 7,759,000 | 10,677,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,774,000 | 5,626,000 | 8,153,000 | 10,275,000 |
| Income tax | 456,000 | 946,000 | 1,601,000 | 1,600,000 |
| Net income | 2,318,000 | 4,680,000 | 6,552,000 | 8,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,765,000 | 96,203,000 | 98,041,000 | 100,301,000 |
| Total capital | 98,795,000 | 101,326,000 | 103,376,000 | 105,726,000 |
| Risk-weighted assets | 401,346,000 | 408,813,000 | 426,022,000 | 433,272,000 |