Call reports 2004
LANCASTER NATIONAL BANK, THE — 2004
What LANCASTER NATIONAL BANK, THE 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 | 56,704,000 | 57,335,000 | 60,499,000 | 62,378,000 |
| Total loans | 34,657,000 | 35,721,000 | 34,991,000 | 34,954,000 |
| Allowance for loan losses | 399,000 | 401,000 | 400,000 | 396,000 |
| Securities available for sale | 18,148,000 | 14,925,000 | 19,162,000 | 17,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,205,000 | 51,024,000 | 54,057,000 | 56,028,000 |
| Interest-bearing deposits | 43,986,000 | 43,971,000 | 46,531,000 | 48,215,000 |
| Noninterest-bearing deposits | 6,219,000 | 7,053,000 | 7,526,000 | 7,813,000 |
| Equity capital | 6,256,000 | 6,200,000 | 6,294,000 | 6,171,000 |
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 | 710,000 | 1,400,000 | 2,087,000 | 2,798,000 |
| Interest expense | 136,000 | 255,000 | 378,000 | 501,000 |
| Net interest income | 574,000 | 1,145,000 | 1,709,000 | 2,297,000 |
| Noninterest income | 30,000 | 62,000 | 108,000 | 141,000 |
| Noninterest expense | 433,000 | 872,000 | 1,328,000 | 1,794,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 5,000 |
| Pretax income | 168,000 | 329,000 | 480,000 | 639,000 |
| Income tax | 58,000 | 115,000 | 169,000 | 220,000 |
| Net income | 110,000 | 214,000 | 311,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,088,000 | 6,161,000 | 6,226,000 | 6,155,000 |
| Total capital | 6,467,000 | 6,561,000 | 6,626,000 | 6,551,000 |
| Risk-weighted assets | 30,324,000 | 31,982,000 | 33,011,000 | 32,574,000 |