Call reports 2004
PENNSYLVANIA BUSINESS BANK — 2004
What PENNSYLVANIA BUSINESS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 160,386,000 | 162,717,000 | 176,137,000 | 173,990,000 |
| Total loans | 93,196,000 | 89,604,000 | 82,154,000 | 80,151,000 |
| Allowance for loan losses | 2,787,000 | 2,438,000 | 1,688,000 | 994,000 |
| Securities available for sale | 52,552,000 | 61,899,000 | 63,154,000 | 73,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,171,000 | 132,575,000 | 145,632,000 | 144,526,000 |
| Interest-bearing deposits | 114,315,000 | 119,293,000 | 131,590,000 | 131,315,000 |
| Noninterest-bearing deposits | 12,856,000 | 13,282,000 | 14,042,000 | 13,211,000 |
| Equity capital | 11,931,000 | 10,771,000 | 11,490,000 | 10,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,595,000 | 4,966,000 | 7,359,000 | 9,710,000 |
| Interest expense | 861,000 | 1,720,000 | 2,687,000 | 3,735,000 |
| Net interest income | 1,734,000 | 3,246,000 | 4,672,000 | 5,975,000 |
| Noninterest income | 152,000 | 307,000 | 506,000 | 636,000 |
| Noninterest expense | 1,610,000 | 3,275,000 | 4,989,000 | 6,829,000 |
| Provision for loan losses | 130,000 | 200,000 | 475,000 | 650,000 |
| Pretax income | 184,000 | 116,000 | -265,000 | -847,000 |
| Income tax | 64,000 | 42,000 | -88,000 | -286,000 |
| Net income | 120,000 | 74,000 | -177,000 | -561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,699,000 | 11,655,000 | 11,405,000 | 9,920,000 |
| Total capital | 13,174,000 | 13,102,000 | 12,787,000 | 10,914,000 |
| Risk-weighted assets | 116,703,000 | 114,756,000 | 110,218,000 | 109,051,000 |
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