Call reports 2007
PENN SECURITY BANK AND TRUST COMPANY — 2007
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 579,184,000 | 583,097,000 | 586,210,000 | 577,202,000 |
| Total loans | 374,472,000 | 385,868,000 | 396,035,000 | 404,639,000 |
| Allowance for loan losses | 4,200,000 | 4,320,000 | 4,600,000 | 4,700,000 |
| Securities available for sale | 80,247,000 | 68,060,000 | 66,182,000 | 70,110,000 |
| Securities held to maturity | 72,765,000 | 71,090,000 | 69,387,000 | 68,120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,596,000 | 424,157,000 | 423,438,000 | 416,537,000 |
| Interest-bearing deposits | 351,718,000 | 350,464,000 | 345,245,000 | 342,607,000 |
| Noninterest-bearing deposits | 72,878,000 | 73,693,000 | 78,193,000 | 73,930,000 |
| Equity capital | 63,922,000 | 64,476,000 | 66,106,000 | 66,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,306,000 | 16,924,000 | 25,622,000 | 34,190,000 |
| Interest expense | 3,097,000 | 6,408,000 | 9,610,000 | 12,739,000 |
| Net interest income | 5,209,000 | 10,516,000 | 16,012,000 | 21,451,000 |
| Noninterest income | 2,054,000 | 4,035,000 | 6,699,000 | 8,680,000 |
| Noninterest expense | 5,186,000 | 10,285,000 | 15,376,000 | 21,252,000 |
| Provision for loan losses | 96,000 | 220,000 | 528,000 | 657,000 |
| Pretax income | 1,981,000 | 4,046,000 | 6,807,000 | 8,222,000 |
| Income tax | 343,000 | 730,000 | 1,334,000 | 1,624,000 |
| Net income | 1,638,000 | 3,316,000 | 5,473,000 | 6,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,699,000 | 65,613,000 | 67,000,000 | 67,140,000 |
| Total capital | 68,899,000 | 69,933,000 | 71,600,000 | 71,840,000 |
| Risk-weighted assets | 370,793,000 | 369,366,000 | 372,893,000 | 376,167,000 |