Call reports 2002
LANCASTER NATIONAL BANK, THE — 2002
What LANCASTER NATIONAL BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 49,739,000 | 51,651,000 | 54,260,000 | 55,159,000 |
| Total loans | 30,463,000 | 31,303,000 | 30,965,000 | 30,544,000 |
| Allowance for loan losses | 379,000 | 386,000 | 392,000 | 396,000 |
| Securities available for sale | 15,397,000 | 15,573,000 | 20,106,000 | 19,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,437,000 | 44,182,000 | 46,483,000 | 47,548,000 |
| Interest-bearing deposits | 36,406,000 | 37,815,000 | 39,953,000 | 40,419,000 |
| Noninterest-bearing deposits | 6,031,000 | 6,367,000 | 6,530,000 | 7,129,000 |
| Equity capital | 5,951,000 | 6,151,000 | 6,345,000 | 6,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 783,000 | 1,570,000 | 2,375,000 | 3,176,000 |
| Interest expense | 243,000 | 484,000 | 725,000 | 947,000 |
| Net interest income | 540,000 | 1,086,000 | 1,650,000 | 2,229,000 |
| Noninterest income | 28,000 | 62,000 | 97,000 | 129,000 |
| Noninterest expense | 365,000 | 730,000 | 1,097,000 | 1,515,000 |
| Provision for loan losses | 12,000 | 20,000 | 26,000 | 30,000 |
| Pretax income | 191,000 | 398,000 | 629,000 | 818,000 |
| Income tax | 68,000 | 142,000 | 223,000 | 283,000 |
| Net income | 123,000 | 256,000 | 406,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,618,000 | 5,721,000 | 5,839,000 | 5,756,000 |
| Total capital | 5,951,000 | 6,066,000 | 6,183,000 | 6,152,000 |
| Risk-weighted assets | 26,562,000 | 27,568,000 | 27,443,000 | 37,493,000 |