Call reports 2006
PENN COMMUNITY BANK — 2006
What PENN COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 947,005,000 | 979,490,000 | 1,004,188,000 | 1,002,509,000 |
| Total loans | 516,067,000 | 545,934,000 | 583,599,000 | 589,655,000 |
| Allowance for loan losses | 5,753,000 | 5,208,000 | 5,233,000 | 5,233,000 |
| Securities available for sale | 351,337,000 | 344,504,000 | 345,043,000 | 332,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 599,626,000 | 626,773,000 | 627,013,000 | 637,929,000 |
| Interest-bearing deposits | 557,047,000 | 580,594,000 | 589,711,000 | 599,252,000 |
| Noninterest-bearing deposits | 42,579,000 | 46,179,000 | 37,302,000 | 38,677,000 |
| Equity capital | 117,603,000 | 117,545,000 | 122,627,000 | 125,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,627,000 | 23,553,000 | 35,889,000 | 49,509,000 |
| Interest expense | 6,842,000 | 14,104,000 | 22,061,000 | 30,747,000 |
| Net interest income | 4,785,000 | 9,449,000 | 13,828,000 | 18,762,000 |
| Noninterest income | 824,000 | 1,760,000 | 2,711,000 | 3,640,000 |
| Noninterest expense | 3,720,000 | 6,980,000 | 10,095,000 | 13,218,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,897,000 | 4,237,000 | 6,473,000 | 9,330,000 |
| Income tax | 253,000 | 503,000 | 798,000 | 1,436,000 |
| Net income | 1,644,000 | 3,734,000 | 5,675,000 | 7,894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,504,000 | 121,527,000 | 123,502,000 | 125,189,000 |
| Total capital | 125,257,000 | 126,735,000 | 128,735,000 | 130,422,000 |
| Risk-weighted assets | 515,317,000 | 540,627,000 | 556,770,000 | 558,027,000 |