Call reports 2009
PENN SECURITY BANK AND TRUST COMPANY — 2009
What PENN SECURITY BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 644,945,000 | 850,693,000 | 868,144,000 | 879,639,000 |
| Total loans | 429,286,000 | 586,693,000 | 597,564,000 | 603,970,000 |
| Allowance for loan losses | 6,050,000 | 6,050,000 | 6,300,000 | 6,300,000 |
| Securities available for sale | 101,478,000 | 127,472,000 | 141,647,000 | 147,695,000 |
| Securities held to maturity | 60,580,000 | 56,063,000 | 51,793,000 | 46,851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,103,000 | 639,293,000 | 636,924,000 | 645,450,000 |
| Interest-bearing deposits | 362,466,000 | 541,473,000 | 532,554,000 | 535,579,000 |
| Noninterest-bearing deposits | 72,637,000 | 97,820,000 | 104,370,000 | 109,871,000 |
| Equity capital | 69,974,000 | 109,773,000 | 113,717,000 | 113,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,025,000 | 18,756,000 | 29,490,000 | 40,101,000 |
| Interest expense | 2,042,000 | 4,745,000 | 7,347,000 | 9,580,000 |
| Net interest income | 5,983,000 | 14,011,000 | 22,143,000 | 30,521,000 |
| Noninterest income | 2,410,000 | 4,867,000 | 7,982,000 | 10,282,000 |
| Noninterest expense | 7,114,000 | 14,044,000 | 21,078,000 | 28,433,000 |
| Provision for loan losses | 996,000 | 1,231,000 | 1,573,000 | 2,260,000 |
| Pretax income | 283,000 | 3,913,000 | 7,811,000 | 10,979,000 |
| Income tax | -121,000 | 654,000 | 1,466,000 | 2,156,000 |
| Net income | 404,000 | 3,259,000 | 6,345,000 | 8,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,671,000 | 82,782,000 | 84,588,000 | 85,777,000 |
| Total capital | 76,912,000 | 88,832,000 | 90,888,000 | 92,077,000 |
| Risk-weighted assets | 418,516,000 | 551,843,000 | 557,943,000 | 564,536,000 |