Call reports 2008
LANCASTER NATIONAL BANK, THE — 2008
What LANCASTER NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 52,919,000 | 50,125,000 |
| Total loans | 34,772,000 | 34,484,000 |
| Allowance for loan losses | 428,000 | 452,000 |
| Securities available for sale | 11,981,000 | 9,972,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 44,637,000 | 40,265,000 |
| Interest-bearing deposits | 37,101,000 | 33,321,000 |
| Noninterest-bearing deposits | 7,536,000 | 6,944,000 |
| Equity capital | 6,460,000 | 6,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Interest income | 780,000 | 1,523,000 |
| Interest expense | 218,000 | 404,000 |
| Net interest income | 562,000 | 1,119,000 |
| Noninterest income | 45,000 | 86,000 |
| Noninterest expense | 655,000 | 1,302,000 |
| Provision for loan losses | 6,000 | 27,000 |
| Pretax income | 0 | -70,000 |
| Income tax | 27,000 | 39,000 |
| Net income | -27,000 | -109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 6,298,000 | 6,215,000 |
| Total capital | 6,658,000 | 6,565,000 |
| Risk-weighted assets | 28,736,000 | 27,891,000 |