Call reports 2015
PENN COMMUNITY BANK — 2015
What PENN COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,041,369,000 | 1,064,153,000 | 1,840,669,000 | 1,831,556,000 |
| Total loans | 682,266,000 | 674,460,000 | 1,225,338,000 | 1,225,313,000 |
| Allowance for loan losses | 9,152,000 | 8,895,000 | 9,266,000 | 9,053,000 |
| Securities available for sale | 240,500,000 | 271,391,000 | 385,618,000 | 379,561,000 |
| Securities held to maturity | 2,342,000 | 2,171,000 | 57,784,000 | 59,179,000 |
| Trading assets | 0 | 0 | 12,000 | 0 |
| Total deposits | 669,484,000 | 687,484,000 | 1,259,119,000 | 1,274,805,000 |
| Interest-bearing deposits | 623,997,000 | 627,503,000 | 1,163,875,000 | 1,057,345,000 |
| Noninterest-bearing deposits | 45,487,000 | 59,981,000 | 95,244,000 | 217,460,000 |
| Equity capital | 157,212,000 | 156,173,000 | 247,448,000 | 245,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,338,000 | 16,480,000 | 29,246,000 | 44,331,000 |
| Interest expense | 2,078,000 | 4,149,000 | 6,792,000 | 9,664,000 |
| Net interest income | 6,260,000 | 12,331,000 | 22,454,000 | 34,667,000 |
| Noninterest income | 2,271,000 | 4,519,000 | 6,520,000 | 8,954,000 |
| Noninterest expense | 6,805,000 | 13,350,000 | 25,198,000 | 39,399,000 |
| Provision for loan losses | -50,000 | -220,000 | 1,800,000 | 2,320,000 |
| Pretax income | 1,782,000 | 3,763,000 | 2,018,000 | 1,944,000 |
| Income tax | 375,000 | 798,000 | -81,000 | -107,000 |
| Net income | 1,407,000 | 2,965,000 | 2,099,000 | 2,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,564,000 | 151,173,000 | 236,137,000 | 237,002,000 |
| Total capital | 158,228,000 | 160,077,000 | 245,652,000 | 246,654,000 |
| Risk-weighted assets | 692,112,000 | 713,035,000 | 1,261,358,000 | 1,266,311,000 |