Call reports 2002
PENN SECURITY BANK AND TRUST COMPANY — 2002
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 483,407,000 | 497,225,000 | 505,239,000 | 496,566,000 |
| Total loans | 324,643,000 | 322,506,000 | 309,879,000 | 288,856,000 |
| Allowance for loan losses | 3,750,000 | 3,950,000 | 3,347,000 | 3,347,000 |
| Securities available for sale | 104,234,000 | 104,687,000 | 106,263,000 | 106,727,000 |
| Securities held to maturity | 31,787,000 | 31,504,000 | 31,312,000 | 31,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,649,000 | 417,459,000 | 417,852,000 | 414,670,000 |
| Interest-bearing deposits | 340,342,000 | 347,368,000 | 340,951,000 | 336,104,000 |
| Noninterest-bearing deposits | 67,307,000 | 70,091,000 | 76,901,000 | 78,566,000 |
| Equity capital | 54,430,000 | 56,579,000 | 58,849,000 | 58,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,284,000 | 14,494,000 | 21,473,000 | 27,890,000 |
| Interest expense | 2,113,000 | 4,225,000 | 6,279,000 | 8,011,000 |
| Net interest income | 5,171,000 | 10,269,000 | 15,194,000 | 19,879,000 |
| Noninterest income | 2,684,000 | 4,671,000 | 7,604,000 | 10,031,000 |
| Noninterest expense | 5,414,000 | 10,226,000 | 15,821,000 | 21,098,000 |
| Provision for loan losses | 179,000 | 419,000 | 571,000 | 813,000 |
| Pretax income | 2,262,000 | 4,295,000 | 6,765,000 | 9,008,000 |
| Income tax | 576,000 | 1,035,000 | 1,667,000 | 2,256,000 |
| Net income | 1,686,000 | 3,260,000 | 5,098,000 | 6,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,833,000 | 53,762,000 | 54,896,000 | 55,417,000 |
| Total capital | 56,400,000 | 57,351,000 | 58,243,000 | 58,764,000 |
| Risk-weighted assets | 285,151,000 | 286,750,000 | 288,838,000 | 279,153,000 |