Call reports 2004
FARMERS NATIONAL BANK OF LEBANON, THE — 2004
What FARMERS NATIONAL BANK OF LEBANON, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 104,002,000 | 102,338,000 | 101,548,000 | 101,132,000 |
| Total loans | 42,715,000 | 44,317,000 | 43,031,000 | 42,889,000 |
| Allowance for loan losses | 298,000 | 299,000 | 352,000 | 386,000 |
| Securities available for sale | 48,198,000 | 47,310,000 | 51,104,000 | 50,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,691,000 | 87,051,000 | 85,456,000 | 85,216,000 |
| Interest-bearing deposits | 74,109,000 | 73,138,000 | 73,199,000 | 71,814,000 |
| Noninterest-bearing deposits | 13,582,000 | 13,913,000 | 12,257,000 | 13,402,000 |
| Equity capital | 8,664,000 | 8,041,000 | 8,963,000 | 8,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,353,000 | 3,489,000 | 4,695,000 |
| Interest expense | 510,000 | 1,009,000 | 1,505,000 | 2,000,000 |
| Net interest income | 655,000 | 1,344,000 | 1,984,000 | 2,695,000 |
| Noninterest income | 102,000 | 217,000 | 340,000 | 497,000 |
| Noninterest expense | 636,000 | 1,307,000 | 1,929,000 | 2,557,000 |
| Provision for loan losses | 75,000 | 75,000 | 175,000 | 200,000 |
| Pretax income | 46,000 | 180,000 | 224,000 | 451,000 |
| Income tax | 0 | 47,000 | 31,000 | 82,000 |
| Net income | 46,000 | 133,000 | 193,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,317,000 | 8,392,000 | 8,814,000 | 9,033,000 |
| Total capital | 8,615,000 | 8,691,000 | 9,166,000 | 9,419,000 |
| Risk-weighted assets | 52,689,000 | 50,611,000 | 48,421,000 | 50,722,000 |