Call reports 2006
LANCASTER NATIONAL BANK, THE — 2006
What LANCASTER NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 56,373,000 | 56,172,000 | 56,449,000 | 56,310,000 |
| Total loans | 31,740,000 | 32,339,000 | 31,678,000 | 31,015,000 |
| Allowance for loan losses | 424,000 | 430,000 | 436,000 | 440,000 |
| Securities available for sale | 18,013,000 | 15,804,000 | 18,341,000 | 18,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,002,000 | 49,780,000 | 49,956,000 | 49,786,000 |
| Interest-bearing deposits | 42,091,000 | 42,003,000 | 41,566,000 | 41,781,000 |
| Noninterest-bearing deposits | 7,911,000 | 7,777,000 | 8,390,000 | 8,005,000 |
| Equity capital | 6,186,000 | 6,197,000 | 6,299,000 | 6,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 740,000 | 1,506,000 | 2,312,000 | 3,111,000 |
| Interest expense | 178,000 | 360,000 | 557,000 | 773,000 |
| Net interest income | 562,000 | 1,146,000 | 1,755,000 | 2,338,000 |
| Noninterest income | 31,000 | 61,000 | 100,000 | 137,000 |
| Noninterest expense | 493,000 | 987,000 | 1,501,000 | 2,051,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 94,000 | 208,000 | 336,000 | 400,000 |
| Income tax | 34,000 | 72,000 | 118,000 | 145,000 |
| Net income | 60,000 | 136,000 | 218,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,326,000 | 6,369,000 | 6,420,000 | 6,370,000 |
| Total capital | 6,697,000 | 6,739,000 | 6,773,000 | 6,718,000 |
| Risk-weighted assets | 29,588,000 | 29,500,000 | 28,818,000 | 27,729,000 |