Call reports 2007
PENN COMMUNITY BANK — 2007
What PENN COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,003,525,000 | 1,005,164,000 | 1,001,990,000 | 1,021,140,000 |
| Total loans | 606,870,000 | 614,595,000 | 615,292,000 | 635,435,000 |
| Allowance for loan losses | 5,488,000 | 5,737,000 | 5,832,000 | 6,717,000 |
| Securities available for sale | 316,513,000 | 313,739,000 | 303,846,000 | 308,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 675,937,000 | 652,028,000 | 640,584,000 | 628,168,000 |
| Interest-bearing deposits | 635,154,000 | 609,431,000 | 596,016,000 | 594,869,000 |
| Noninterest-bearing deposits | 40,783,000 | 42,597,000 | 44,568,000 | 33,299,000 |
| Equity capital | 128,065,000 | 128,571,000 | 132,717,000 | 137,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,490,000 | 27,066,000 | 40,721,000 | 54,517,000 |
| Interest expense | 8,593,000 | 17,214,000 | 25,984,000 | 34,692,000 |
| Net interest income | 4,897,000 | 9,852,000 | 14,737,000 | 19,825,000 |
| Noninterest income | 914,000 | 1,917,000 | 3,364,000 | 5,366,000 |
| Noninterest expense | 3,288,000 | 6,496,000 | 10,044,000 | 13,290,000 |
| Provision for loan losses | 255,000 | 275,000 | 375,000 | 1,264,000 |
| Pretax income | 2,360,000 | 5,090,000 | 7,790,000 | 10,412,000 |
| Income tax | 412,000 | 969,000 | 1,381,000 | 2,021,000 |
| Net income | 1,948,000 | 4,121,000 | 6,409,000 | 8,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,131,000 | 129,254,000 | 131,470,000 | 133,435,000 |
| Total capital | 132,619,000 | 134,991,000 | 137,302,000 | 140,152,000 |
| Risk-weighted assets | 570,200,000 | 576,937,000 | 576,757,000 | 597,036,000 |