Call reports 2005
PENN SECURITY BANK AND TRUST COMPANY — 2005
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 562,142,000 | 564,725,000 | 565,201,000 | 572,507,000 |
| Total loans | 291,359,000 | 294,476,000 | 306,645,000 | 321,362,000 |
| Allowance for loan losses | 3,700,000 | 3,722,000 | 3,704,000 | 3,800,000 |
| Securities available for sale | 140,665,000 | 141,307,000 | 135,051,000 | 140,180,000 |
| Securities held to maturity | 92,011,000 | 88,790,000 | 84,957,000 | 82,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,683,000 | 394,261,000 | 396,951,000 | 397,872,000 |
| Interest-bearing deposits | 307,694,000 | 307,195,000 | 305,459,000 | 306,120,000 |
| Noninterest-bearing deposits | 83,989,000 | 87,066,000 | 91,492,000 | 91,752,000 |
| Equity capital | 61,771,000 | 60,524,000 | 61,445,000 | 60,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,648,000 | 13,597,000 | 20,731,000 | 28,125,000 |
| Interest expense | 1,953,000 | 4,017,000 | 6,206,000 | 8,580,000 |
| Net interest income | 4,695,000 | 9,580,000 | 14,525,000 | 19,545,000 |
| Noninterest income | 2,368,000 | 4,495,000 | 7,056,000 | 8,894,000 |
| Noninterest expense | 5,406,000 | 10,503,000 | 15,849,000 | 20,719,000 |
| Provision for loan losses | 122,000 | 122,000 | 122,000 | 263,000 |
| Pretax income | 1,522,000 | 3,437,000 | 5,597,000 | 7,444,000 |
| Income tax | 269,000 | 666,000 | 1,147,000 | 1,613,000 |
| Net income | 1,253,000 | 2,771,000 | 4,450,000 | 5,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,539,000 | 59,885,000 | 60,892,000 | 60,327,000 |
| Total capital | 65,239,000 | 63,607,000 | 64,596,000 | 64,127,000 |
| Risk-weighted assets | 323,801,000 | 324,237,000 | 331,194,000 | 337,426,000 |