Call reports 2003
PENN SECURITY BANK AND TRUST COMPANY — 2003
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 581,006,000 | 584,341,000 | 596,547,000 | 584,179,000 |
| Total loans | 282,514,000 | 261,982,000 | 241,313,000 | 240,382,000 |
| Allowance for loan losses | 3,300,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Securities available for sale | 102,091,000 | 96,994,000 | 115,216,000 | 173,246,000 |
| Securities held to maturity | 164,573,000 | 160,208,000 | 117,520,000 | 113,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,769,000 | 403,708,000 | 412,471,000 | 407,951,000 |
| Interest-bearing deposits | 323,902,000 | 329,314,000 | 329,227,000 | 328,108,000 |
| Noninterest-bearing deposits | 73,866,000 | 74,394,000 | 83,244,000 | 79,843,000 |
| Equity capital | 59,327,000 | 60,233,000 | 60,544,000 | 60,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,360,000 | 13,425,000 | 19,817,000 | 26,004,000 |
| Interest expense | 1,676,000 | 4,012,000 | 6,161,000 | 8,228,000 |
| Net interest income | 4,684,000 | 9,413,000 | 13,656,000 | 17,776,000 |
| Noninterest income | 2,746,000 | 5,100,000 | 8,335,000 | 10,412,000 |
| Noninterest expense | 5,269,000 | 10,109,000 | 15,531,000 | 20,454,000 |
| Provision for loan losses | 239,000 | 455,000 | 456,000 | 476,000 |
| Pretax income | 1,922,000 | 3,949,000 | 6,004,000 | 7,599,000 |
| Income tax | 365,000 | 800,000 | 1,254,000 | 1,628,000 |
| Net income | 1,557,000 | 3,149,000 | 4,750,000 | 5,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,197,000 | 56,964,000 | 57,794,000 | 58,067,000 |
| Total capital | 59,497,000 | 60,464,000 | 61,294,000 | 61,567,000 |
| Risk-weighted assets | 293,212,000 | 285,616,000 | 280,635,000 | 285,210,000 |