Call reports 2008
PENN SECURITY BANK AND TRUST COMPANY — 2008
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 615,238,000 | 625,428,000 | 636,094,000 | 625,601,000 |
| Total loans | 408,975,000 | 422,293,000 | 432,980,000 | 441,148,000 |
| Allowance for loan losses | 4,925,000 | 5,140,000 | 5,240,000 | 5,275,000 |
| Securities available for sale | 88,732,000 | 95,682,000 | 84,720,000 | 88,169,000 |
| Securities held to maturity | 66,623,000 | 64,670,000 | 63,524,000 | 62,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,347,000 | 437,063,000 | 442,536,000 | 424,741,000 |
| Interest-bearing deposits | 342,646,000 | 361,980,000 | 361,578,000 | 352,269,000 |
| Noninterest-bearing deposits | 78,701,000 | 75,083,000 | 80,958,000 | 72,472,000 |
| Equity capital | 68,641,000 | 68,899,000 | 68,382,000 | 70,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,455,000 | 16,892,000 | 25,428,000 | 33,788,000 |
| Interest expense | 2,910,000 | 5,707,000 | 8,445,000 | 10,830,000 |
| Net interest income | 5,545,000 | 11,185,000 | 16,983,000 | 22,958,000 |
| Noninterest income | 2,417,000 | 4,780,000 | 7,744,000 | 9,837,000 |
| Noninterest expense | 5,542,000 | 10,499,000 | 16,302,000 | 22,128,000 |
| Provision for loan losses | 235,000 | 451,000 | 618,000 | 861,000 |
| Pretax income | 3,895,000 | 6,228,000 | 9,031,000 | 11,030,000 |
| Income tax | 953,000 | 1,383,000 | 1,962,000 | 2,458,000 |
| Net income | 2,942,000 | 4,845,000 | 7,069,000 | 8,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,215,000 | 70,255,000 | 71,588,000 | 72,197,000 |
| Total capital | 74,010,000 | 75,228,000 | 76,633,000 | 77,277,000 |
| Risk-weighted assets | 383,451,000 | 397,655,000 | 403,354,000 | 406,272,000 |