Call reports 2003
FARMERS NATIONAL BANK OF LEBANON, THE — 2003
What FARMERS NATIONAL BANK OF LEBANON, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 100,730,000 | 98,750,000 | 99,285,000 | 102,032,000 |
| Total loans | 34,158,000 | 36,988,000 | 38,943,000 | 40,789,000 |
| Allowance for loan losses | 255,000 | 231,000 | 274,000 | 237,000 |
| Securities available for sale | 4,928,000 | 7,795,000 | 9,626,000 | 52,122,000 |
| Securities held to maturity | 52,140,000 | 42,633,000 | 41,592,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,337,000 | 82,347,000 | 83,262,000 | 85,926,000 |
| Interest-bearing deposits | 71,095,000 | 70,119,000 | 71,073,000 | 73,153,000 |
| Noninterest-bearing deposits | 13,242,000 | 12,228,000 | 12,189,000 | 12,773,000 |
| Equity capital | 8,457,000 | 8,676,000 | 8,517,000 | 8,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,183,000 | 2,317,000 | 3,350,000 | 4,510,000 |
| Interest expense | 566,000 | 1,108,000 | 1,643,000 | 2,158,000 |
| Net interest income | 617,000 | 1,209,000 | 1,707,000 | 2,352,000 |
| Noninterest income | 110,000 | 254,000 | 365,000 | 433,000 |
| Noninterest expense | 553,000 | 1,102,000 | 1,739,000 | 2,324,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 174,000 | 362,000 | 284,000 | 533,000 |
| Income tax | 29,000 | 65,000 | 29,000 | 140,000 |
| Net income | 145,000 | 297,000 | 255,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,444,000 | 8,596,000 | 8,555,000 | 8,346,000 |
| Total capital | 8,699,000 | 8,827,000 | 8,839,000 | 8,583,000 |
| Risk-weighted assets | 47,167,000 | 49,013,000 | 50,578,000 | 52,013,000 |