Call reports 2004
LEBANON VALLEY FARMERS BANK — 2004
What LEBANON VALLEY FARMERS BANK 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 | 782,640,000 | 772,359,000 | 776,642,000 | 754,263,000 |
| Total loans | 481,026,000 | 497,952,000 | 494,289,000 | 504,368,000 |
| Allowance for loan losses | 5,572,000 | 5,548,000 | 5,545,000 | 4,809,000 |
| Securities available for sale | 254,110,000 | 216,147,000 | 208,464,000 | 222,055,000 |
| Securities held to maturity | 101,000 | 92,000 | 89,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 624,254,000 | 624,981,000 | 629,783,000 | 604,520,000 |
| Interest-bearing deposits | 512,683,000 | 504,040,000 | 514,361,000 | 485,816,000 |
| Noninterest-bearing deposits | 111,571,000 | 120,941,000 | 115,422,000 | 118,704,000 |
| Equity capital | 56,384,000 | 52,950,000 | 55,585,000 | 52,832,000 |
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 | 9,529,000 | 18,818,000 | 28,078,000 | 37,582,000 |
| Interest expense | 2,635,000 | 5,133,000 | 7,672,000 | 10,339,000 |
| Net interest income | 6,894,000 | 13,685,000 | 20,406,000 | 27,243,000 |
| Noninterest income | 2,053,000 | 4,138,000 | 6,151,000 | 8,209,000 |
| Noninterest expense | 4,316,000 | 8,607,000 | 12,950,000 | 17,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,821,000 | 9,594,000 | 13,985,000 | 18,678,000 |
| Income tax | 1,520,000 | 3,024,000 | 4,393,000 | 5,878,000 |
| Net income | 3,301,000 | 6,570,000 | 9,592,000 | 12,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,811,000 | 56,452,000 | 56,845,000 | 55,051,000 |
| Total capital | 61,383,000 | 62,000,000 | 62,390,000 | 59,860,000 |
| Risk-weighted assets | 506,976,000 | 515,288,000 | 509,444,000 | 515,674,000 |