Call reports 2025
PENN COMMUNITY BANK — 2025
What PENN COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,896,676,000 | 2,996,552,000 | 3,000,909,000 | 3,029,370,000 |
| Total loans | 1,994,756,000 | 2,073,072,000 | 2,177,223,000 | 2,113,532,000 |
| Allowance for loan losses | 18,646,000 | 19,183,000 | 21,839,000 | 20,275,000 |
| Securities available for sale | 575,019,000 | 566,347,000 | 557,054,000 | 560,961,000 |
| Securities held to maturity | 42,178,000 | 42,186,000 | 42,163,000 | 42,171,000 |
| Trading assets | 490,000 | 707,000 | 722,000 | 656,000 |
| Total deposits | 2,303,482,000 | 2,410,808,000 | 2,391,229,000 | 2,420,582,000 |
| Interest-bearing deposits | 2,025,708,000 | 2,113,665,000 | 2,105,183,000 | 2,116,433,000 |
| Noninterest-bearing deposits | 277,774,000 | 297,143,000 | 286,046,000 | 304,149,000 |
| Equity capital | 301,349,000 | 308,429,000 | 319,043,000 | 327,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 32,037,000 | 65,663,000 | 101,219,000 | 136,692,000 |
| Interest expense | 17,186,000 | 34,108,000 | 51,299,000 | 67,612,000 |
| Net interest income | 14,851,000 | 31,555,000 | 49,920,000 | 69,080,000 |
| Noninterest income | 2,358,000 | 4,637,000 | 7,462,000 | 9,808,000 |
| Noninterest expense | 14,343,000 | 29,331,000 | 44,258,000 | 61,143,000 |
| Provision for loan losses | 1,283,000 | 1,761,000 | 4,557,000 | 3,713,000 |
| Pretax income | 1,460,000 | 4,696,000 | 8,117,000 | 13,705,000 |
| Income tax | 95,000 | 543,000 | 1,072,000 | 2,030,000 |
| Net income | 1,365,000 | 4,153,000 | 7,045,000 | 11,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 374,750,000 | 377,550,000 | 380,446,000 | 385,076,000 |
| Total capital | 396,686,000 | 400,304,000 | 405,902,000 | 408,845,000 |
| Risk-weighted assets | 2,178,596,000 | 2,245,886,000 | 2,379,392,000 | 2,326,670,000 |