Call reports 2006
PENN SECURITY BANK AND TRUST COMPANY — 2006
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 561,098,000 | 556,350,000 | 557,673,000 | 566,220,000 |
| Total loans | 329,495,000 | 335,562,000 | 354,308,000 | 369,922,000 |
| Allowance for loan losses | 3,900,000 | 3,900,000 | 4,000,000 | 4,200,000 |
| Securities available for sale | 122,002,000 | 103,008,000 | 97,618,000 | 84,343,000 |
| Securities held to maturity | 79,900,000 | 77,991,000 | 76,100,000 | 74,375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,263,000 | 399,633,000 | 400,911,000 | 413,801,000 |
| Interest-bearing deposits | 307,781,000 | 319,106,000 | 325,724,000 | 342,215,000 |
| Noninterest-bearing deposits | 89,482,000 | 80,527,000 | 75,187,000 | 71,586,000 |
| Equity capital | 61,444,000 | 62,090,000 | 63,962,000 | 62,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,691,000 | 15,563,000 | 23,542,000 | 31,811,000 |
| Interest expense | 2,548,000 | 5,234,000 | 8,028,000 | 11,054,000 |
| Net interest income | 5,143,000 | 10,329,000 | 15,514,000 | 20,757,000 |
| Noninterest income | 2,047,000 | 3,701,000 | 6,155,000 | 7,895,000 |
| Noninterest expense | 5,119,000 | 9,950,000 | 15,046,000 | 21,027,000 |
| Provision for loan losses | 127,000 | 154,000 | 297,000 | 433,000 |
| Pretax income | 1,944,000 | 3,926,000 | 6,326,000 | 7,192,000 |
| Income tax | 385,000 | 832,000 | 1,383,000 | 1,595,000 |
| Net income | 1,559,000 | 3,094,000 | 4,943,000 | 5,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,164,000 | 61,975,000 | 63,102,000 | 63,829,000 |
| Total capital | 65,064,000 | 65,875,000 | 67,102,000 | 68,029,000 |
| Risk-weighted assets | 334,639,000 | 336,971,000 | 347,543,000 | 361,335,000 |