Call reports 2003
LANCASTER NATIONAL BANK, THE — 2003
What LANCASTER NATIONAL BANK, THE 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 | 54,445,000 | 56,885,000 | 58,835,000 | 59,276,000 |
| Total loans | 31,920,000 | 33,447,000 | 34,384,000 | 35,061,000 |
| Allowance for loan losses | 400,000 | 393,000 | 390,000 | 396,000 |
| Securities available for sale | 18,616,000 | 17,839,000 | 18,400,000 | 19,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,742,000 | 49,170,000 | 51,143,000 | 51,885,000 |
| Interest-bearing deposits | 40,937,000 | 42,347,000 | 44,269,000 | 44,986,000 |
| Noninterest-bearing deposits | 5,805,000 | 6,823,000 | 6,874,000 | 6,899,000 |
| Equity capital | 6,290,000 | 6,379,000 | 6,393,000 | 6,205,000 |
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 | 767,000 | 1,527,000 | 2,262,000 | 3,015,000 |
| Interest expense | 197,000 | 377,000 | 536,000 | 688,000 |
| Net interest income | 570,000 | 1,150,000 | 1,726,000 | 2,327,000 |
| Noninterest income | 30,000 | 65,000 | 102,000 | 137,000 |
| Noninterest expense | 382,000 | 771,000 | 1,171,000 | 1,580,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 11,000 |
| Pretax income | 216,000 | 442,000 | 655,000 | 873,000 |
| Income tax | 76,000 | 151,000 | 230,000 | 300,000 |
| Net income | 140,000 | 291,000 | 425,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,877,000 | 5,984,000 | 6,086,000 | 6,009,000 |
| Total capital | 6,218,000 | 6,346,000 | 6,456,000 | 6,385,000 |
| Risk-weighted assets | 27,410,000 | 29,187,000 | 29,598,000 | 30,304,000 |