Call reports 2004
PENN COMMUNITY BANK — 2004
What PENN COMMUNITY BANK 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 | 891,268,000 | 901,327,000 | 920,594,000 | 927,622,000 |
| Total loans | 431,641,000 | 440,308,000 | 449,728,000 | 457,242,000 |
| Allowance for loan losses | 6,117,000 | 6,117,000 | 6,117,000 | 6,117,000 |
| Securities available for sale | 380,349,000 | 390,506,000 | 401,613,000 | 401,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 572,484,000 | 575,958,000 | 574,681,000 | 576,538,000 |
| Interest-bearing deposits | 531,726,000 | 534,899,000 | 539,114,000 | 542,683,000 |
| Noninterest-bearing deposits | 40,758,000 | 41,059,000 | 35,567,000 | 33,855,000 |
| Equity capital | 109,877,000 | 104,219,000 | 111,319,000 | 111,887,000 |
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 | 9,452,000 | 19,060,000 | 29,048,000 | 39,150,000 |
| Interest expense | 5,031,000 | 9,926,000 | 14,956,000 | 20,004,000 |
| Net interest income | 4,421,000 | 9,134,000 | 14,092,000 | 19,146,000 |
| Noninterest income | 921,000 | 1,829,000 | 2,743,000 | 3,640,000 |
| Noninterest expense | 3,152,000 | 6,346,000 | 9,168,000 | 12,701,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,513,000 | 4,987,000 | 8,193,000 | 10,635,000 |
| Income tax | 444,000 | 727,000 | 1,251,000 | 1,635,000 |
| Net income | 2,069,000 | 4,260,000 | 6,942,000 | 9,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,362,000 | 104,108,000 | 106,821,000 | 108,895,000 |
| Total capital | 107,928,000 | 109,752,000 | 112,506,000 | 114,660,000 |
| Risk-weighted assets | 444,756,000 | 451,051,000 | 454,388,000 | 460,891,000 |