Call reports 2005
LANCASTER NATIONAL BANK, THE — 2005
What LANCASTER NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 58,423,000 | 58,660,000 | 59,326,000 | 57,502,000 |
| Total loans | 34,907,000 | 36,406,000 | 35,315,000 | 33,143,000 |
| Allowance for loan losses | 396,000 | 400,000 | 403,000 | 415,000 |
| Securities available for sale | 17,444,000 | 16,868,000 | 16,550,000 | 16,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,121,000 | 51,349,000 | 52,932,000 | 51,159,000 |
| Interest-bearing deposits | 43,773,000 | 43,289,000 | 43,709,000 | 42,467,000 |
| Noninterest-bearing deposits | 8,348,000 | 8,060,000 | 9,223,000 | 8,692,000 |
| Equity capital | 6,110,000 | 6,180,000 | 6,260,000 | 6,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,388,000 | 2,142,000 | 2,896,000 |
| Interest expense | 117,000 | 240,000 | 377,000 | 520,000 |
| Net interest income | 573,000 | 1,148,000 | 1,765,000 | 2,376,000 |
| Noninterest income | 28,000 | 61,000 | 92,000 | 123,000 |
| Noninterest expense | 457,000 | 983,000 | 1,469,000 | 1,949,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 24,000 |
| Pretax income | 141,000 | 220,000 | 379,000 | 526,000 |
| Income tax | 51,000 | 81,000 | 134,000 | 174,000 |
| Net income | 90,000 | 139,000 | 245,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,220,000 | 6,237,000 | 6,312,000 | 6,298,000 |
| Total capital | 6,616,000 | 6,637,000 | 6,714,000 | 6,678,000 |
| Risk-weighted assets | 32,326,000 | 32,450,000 | 32,085,000 | 30,404,000 |