Call reports 2004
PENN SECURITY BANK AND TRUST COMPANY — 2004
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 581,824,000 | 579,268,000 | 583,244,000 | 563,066,000 |
| Total loans | 249,214,000 | 251,961,000 | 263,980,000 | 280,176,000 |
| Allowance for loan losses | 3,500,000 | 3,500,000 | 3,600,000 | 3,600,000 |
| Securities available for sale | 185,678,000 | 191,958,000 | 183,292,000 | 161,145,000 |
| Securities held to maturity | 109,965,000 | 102,024,000 | 98,637,000 | 95,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,032,000 | 406,816,000 | 406,401,000 | 395,309,000 |
| Interest-bearing deposits | 325,175,000 | 325,889,000 | 316,056,000 | 312,363,000 |
| Noninterest-bearing deposits | 80,857,000 | 80,927,000 | 90,345,000 | 82,946,000 |
| Equity capital | 61,582,000 | 58,666,000 | 61,538,000 | 61,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,167,000 | 12,414,000 | 18,854,000 | 25,374,000 |
| Interest expense | 1,953,000 | 3,840,000 | 5,691,000 | 7,579,000 |
| Net interest income | 4,214,000 | 8,574,000 | 13,163,000 | 17,795,000 |
| Noninterest income | 2,414,000 | 4,430,000 | 7,260,000 | 9,247,000 |
| Noninterest expense | 5,315,000 | 10,142,000 | 15,528,000 | 20,584,000 |
| Provision for loan losses | 18,000 | 21,000 | 135,000 | 144,000 |
| Pretax income | 1,295,000 | 2,841,000 | 4,760,000 | 6,671,000 |
| Income tax | 152,000 | 328,000 | 634,000 | 1,071,000 |
| Net income | 1,143,000 | 2,513,000 | 4,126,000 | 5,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,635,000 | 59,411,000 | 60,417,000 | 60,964,000 |
| Total capital | 62,135,000 | 62,911,000 | 64,017,000 | 64,564,000 |
| Risk-weighted assets | 289,781,000 | 301,942,000 | 308,188,000 | 315,834,000 |