Call reports 2007
LANCASTER NATIONAL BANK, THE — 2007
What LANCASTER NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 54,392,000 | 56,707,000 | 55,033,000 | 54,786,000 |
| Total loans | 32,622,000 | 35,442,000 | 35,620,000 | 35,883,000 |
| Allowance for loan losses | 444,000 | 445,000 | 450,000 | 457,000 |
| Securities available for sale | 16,168,000 | 14,825,000 | 13,708,000 | 13,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,680,000 | 46,730,000 | 46,595,000 | 45,378,000 |
| Interest-bearing deposits | 37,591,000 | 39,224,000 | 38,903,000 | 37,790,000 |
| Noninterest-bearing deposits | 7,089,000 | 7,506,000 | 7,692,000 | 7,588,000 |
| Equity capital | 6,364,000 | 6,299,000 | 6,289,000 | 6,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,621,000 | 2,442,000 | 3,267,000 |
| Interest expense | 234,000 | 524,000 | 805,000 | 1,061,000 |
| Net interest income | 554,000 | 1,097,000 | 1,637,000 | 2,206,000 |
| Noninterest income | 37,000 | 75,000 | 110,000 | 152,000 |
| Noninterest expense | 547,000 | 1,112,000 | 1,733,000 | 2,348,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 38,000 | 48,000 | -4,000 | 25,000 |
| Income tax | 3,000 | 1,000 | 4,000 | -8,000 |
| Net income | 35,000 | 47,000 | -8,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,374,000 | 6,370,000 | 6,300,000 | 6,325,000 |
| Total capital | 6,728,000 | 6,752,000 | 6,673,000 | 6,700,000 |
| Risk-weighted assets | 28,200,000 | 30,475,000 | 29,766,000 | 29,884,000 |