Call reports 2003
PENNSYLVANIA BUSINESS BANK — 2003
What PENNSYLVANIA BUSINESS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 160,708,000 | 157,117,000 | 159,142,000 | 155,874,000 |
| Total loans | 100,724,000 | 100,602,000 | 104,087,000 | 99,107,000 |
| Allowance for loan losses | 2,296,000 | 2,231,000 | 2,323,000 | 3,366,000 |
| Securities available for sale | 51,299,000 | 49,816,000 | 42,896,000 | 47,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,103,000 | 126,308,000 | 129,497,000 | 120,787,000 |
| Interest-bearing deposits | 120,229,000 | 113,839,000 | 117,699,000 | 109,032,000 |
| Noninterest-bearing deposits | 10,874,000 | 12,469,000 | 11,798,000 | 11,755,000 |
| Equity capital | 12,763,000 | 13,074,000 | 12,415,000 | 11,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,674,000 | 5,265,000 | 7,812,000 | 10,388,000 |
| Interest expense | 1,224,000 | 2,337,000 | 3,290,000 | 4,192,000 |
| Net interest income | 1,450,000 | 2,928,000 | 4,522,000 | 6,196,000 |
| Noninterest income | 132,000 | 337,000 | 508,000 | 629,000 |
| Noninterest expense | 1,498,000 | 2,934,000 | 4,514,000 | 6,218,000 |
| Provision for loan losses | 235,000 | 370,000 | 820,000 | 2,500,000 |
| Pretax income | 95,000 | 207,000 | 38,000 | -1,531,000 |
| Income tax | 32,000 | 75,000 | 23,000 | -676,000 |
| Net income | 63,000 | 132,000 | 15,000 | -855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,490,000 | 12,561,000 | 12,446,000 | 11,578,000 |
| Total capital | 13,973,000 | 14,048,000 | 13,982,000 | 13,102,000 |
| Risk-weighted assets | 117,794,000 | 118,186,000 | 122,091,000 | 120,080,000 |
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