Call reports 2008
PENN COMMUNITY BANK — 2008
What PENN COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,077,136,000 | 1,079,525,000 | 1,062,108,000 | 1,069,546,000 |
| Total loans | 647,461,000 | 651,583,000 | 668,622,000 | 678,679,000 |
| Allowance for loan losses | 6,608,000 | 6,609,000 | 6,752,000 | 8,295,000 |
| Securities available for sale | 337,398,000 | 301,958,000 | 310,660,000 | 316,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,982,000 | 666,135,000 | 649,731,000 | 653,799,000 |
| Interest-bearing deposits | 626,056,000 | 626,089,000 | 620,846,000 | 625,347,000 |
| Noninterest-bearing deposits | 34,926,000 | 40,046,000 | 28,885,000 | 28,452,000 |
| Equity capital | 142,345,000 | 139,439,000 | 142,920,000 | 146,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 13,974,000 | 27,828,000 | 41,621,000 | 55,035,000 |
| Interest expense | 8,667,000 | 17,041,000 | 25,081,000 | 32,681,000 |
| Net interest income | 5,307,000 | 10,787,000 | 16,540,000 | 22,354,000 |
| Noninterest income | 1,030,000 | 2,054,000 | 3,120,000 | 3,956,000 |
| Noninterest expense | 3,547,000 | 7,195,000 | 10,923,000 | 14,986,000 |
| Provision for loan losses | 0 | 0 | 144,000 | 1,700,000 |
| Pretax income | 2,809,000 | 5,606,000 | 7,923,000 | 8,841,000 |
| Income tax | 603,000 | 1,200,000 | 1,518,000 | 1,128,000 |
| Net income | 2,206,000 | 4,406,000 | 6,405,000 | 7,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,423,000 | 137,679,000 | 139,703,000 | 141,058,000 |
| Total capital | 142,031,000 | 144,288,000 | 146,455,000 | 149,220,000 |
| Risk-weighted assets | 615,775,000 | 623,758,000 | 634,985,000 | 652,813,000 |