Call reports 2009
PENN COMMUNITY BANK — 2009
What PENN COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,098,903,000 | 1,086,495,000 | 1,088,528,000 | 1,074,839,000 |
| Total loans | 693,975,000 | 709,022,000 | 707,528,000 | 723,012,000 |
| Allowance for loan losses | 8,274,000 | 8,928,000 | 8,636,000 | 12,790,000 |
| Securities available for sale | 308,530,000 | 290,999,000 | 280,554,000 | 245,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 689,226,000 | 707,150,000 | 690,394,000 | 690,073,000 |
| Interest-bearing deposits | 652,268,000 | 669,164,000 | 659,677,000 | 660,845,000 |
| Noninterest-bearing deposits | 36,958,000 | 37,986,000 | 30,717,000 | 29,228,000 |
| Equity capital | 150,602,000 | 151,370,000 | 155,880,000 | 153,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 13,242,000 | 26,244,000 | 39,207,000 | 51,723,000 |
| Interest expense | 7,339,000 | 14,357,000 | 21,137,000 | 27,580,000 |
| Net interest income | 5,903,000 | 11,887,000 | 18,070,000 | 24,143,000 |
| Noninterest income | 983,000 | 2,131,000 | 3,683,000 | 4,964,000 |
| Noninterest expense | 4,115,000 | 8,730,000 | 13,355,000 | 18,588,000 |
| Provision for loan losses | -8,000 | 645,000 | 449,000 | 4,634,000 |
| Pretax income | 2,736,000 | 4,605,000 | 8,121,000 | 6,219,000 |
| Income tax | 547,000 | 759,000 | 1,509,000 | 445,000 |
| Net income | 2,189,000 | 3,846,000 | 6,612,000 | 5,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,315,000 | 145,019,000 | 124,733,000 | 124,983,000 |
| Total capital | 151,589,000 | 153,365,000 | 133,205,000 | 133,698,000 |
| Risk-weighted assets | 664,127,000 | 667,166,000 | 677,563,000 | 693,142,000 |