Call reports 2005
PENN COMMUNITY BANK — 2005
What PENN COMMUNITY BANK 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 | 939,414,000 | 966,396,000 | 954,448,000 | 943,413,000 |
| Total loans | 470,672,000 | 486,006,000 | 490,147,000 | 499,543,000 |
| Allowance for loan losses | 6,117,000 | 6,117,000 | 6,117,000 | 5,753,000 |
| Securities available for sale | 398,683,000 | 401,111,000 | 381,847,000 | 364,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 582,442,000 | 588,652,000 | 589,476,000 | 587,409,000 |
| Interest-bearing deposits | 546,002,000 | 547,359,000 | 545,743,000 | 547,915,000 |
| Noninterest-bearing deposits | 36,440,000 | 41,293,000 | 43,733,000 | 39,494,000 |
| Equity capital | 111,385,000 | 115,499,000 | 117,439,000 | 116,493,000 |
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 | 10,453,000 | 21,311,000 | 32,482,000 | 43,504,000 |
| Interest expense | 5,348,000 | 11,072,000 | 17,204,000 | 23,694,000 |
| Net interest income | 5,105,000 | 10,239,000 | 15,278,000 | 19,810,000 |
| Noninterest income | 907,000 | 1,741,000 | 2,608,000 | 3,434,000 |
| Noninterest expense | 3,258,000 | 6,247,000 | 9,345,000 | 12,647,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,832,000 | 5,904,000 | 8,732,000 | 10,788,000 |
| Income tax | 409,000 | 864,000 | 1,324,000 | 1,759,000 |
| Net income | 2,423,000 | 5,040,000 | 7,408,000 | 9,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,228,000 | 113,835,000 | 116,218,000 | 117,831,000 |
| Total capital | 117,181,000 | 119,952,000 | 122,335,000 | 123,584,000 |
| Risk-weighted assets | 476,075,000 | 492,755,000 | 493,789,000 | 504,134,000 |