Call reports 2003
LEBANON VALLEY FARMERS BANK — 2003
What LEBANON VALLEY FARMERS BANK 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 | 759,743,000 | 789,138,000 | 787,815,000 | 790,680,000 |
| Total loans | 493,543,000 | 490,390,000 | 492,791,000 | 482,922,000 |
| Allowance for loan losses | 5,772,000 | 5,609,000 | 5,595,000 | 5,572,000 |
| Securities available for sale | 223,902,000 | 257,041,000 | 244,812,000 | 276,467,000 |
| Securities held to maturity | 172,000 | 131,000 | 113,000 | 104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,904,000 | 612,480,000 | 628,348,000 | 636,871,000 |
| Interest-bearing deposits | 500,461,000 | 500,070,000 | 520,859,000 | 513,823,000 |
| Noninterest-bearing deposits | 100,443,000 | 112,410,000 | 107,489,000 | 123,048,000 |
| Equity capital | 61,396,000 | 61,096,000 | 58,760,000 | 55,130,000 |
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 | 10,440,000 | 20,366,000 | 29,995,000 | 40,042,000 |
| Interest expense | 3,513,000 | 6,646,000 | 9,580,000 | 12,438,000 |
| Net interest income | 6,927,000 | 13,720,000 | 20,415,000 | 27,604,000 |
| Noninterest income | 2,074,000 | 4,473,000 | 6,870,000 | 8,947,000 |
| Noninterest expense | 4,491,000 | 8,673,000 | 13,069,000 | 17,158,000 |
| Provision for loan losses | 120,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 4,717,000 | 9,727,000 | 14,779,000 | 19,985,000 |
| Income tax | 1,436,000 | 2,984,000 | 4,560,000 | 6,204,000 |
| Net income | 3,281,000 | 6,743,000 | 10,219,000 | 13,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,818,000 | 59,055,000 | 59,301,000 | 55,142,000 |
| Total capital | 64,603,000 | 64,677,000 | 64,910,000 | 60,714,000 |
| Risk-weighted assets | 522,911,000 | 522,235,000 | 540,199,000 | 530,346,000 |