Call reports 2005
LEBANON VALLEY FARMERS BANK — 2005
What LEBANON VALLEY FARMERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 758,600,000 | 756,132,000 | 772,309,000 | 760,852,000 |
| Total loans | 509,847,000 | 513,472,000 | 521,883,000 | 526,433,000 |
| Allowance for loan losses | 4,832,000 | 4,829,000 | 5,305,000 | 5,351,000 |
| Securities available for sale | 214,396,000 | 212,551,000 | 213,250,000 | 203,812,000 |
| Securities held to maturity | 83,000 | 76,000 | 71,000 | 71,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,381,000 | 593,418,000 | 608,822,000 | 598,507,000 |
| Interest-bearing deposits | 470,334,000 | 471,901,000 | 486,120,000 | 474,455,000 |
| Noninterest-bearing deposits | 120,047,000 | 121,517,000 | 122,702,000 | 124,052,000 |
| Equity capital | 51,777,000 | 53,621,000 | 53,816,000 | 46,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,563,000 | 19,349,000 | 29,550,000 | 40,109,000 |
| Interest expense | 2,774,000 | 5,832,000 | 9,217,000 | 12,951,000 |
| Net interest income | 6,789,000 | 13,517,000 | 20,333,000 | 27,158,000 |
| Noninterest income | 2,142,000 | 4,313,000 | 6,242,000 | 8,313,000 |
| Noninterest expense | 4,391,000 | 8,669,000 | 12,880,000 | 17,044,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,592,000 | 9,213,000 | 13,747,000 | 18,479,000 |
| Income tax | 1,456,000 | 2,922,000 | 4,353,000 | 5,848,000 |
| Net income | 3,136,000 | 6,291,000 | 9,394,000 | 12,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,687,000 | 56,342,000 | 57,197,000 | 50,735,000 |
| Total capital | 60,519,000 | 61,171,000 | 62,502,000 | 61,586,000 |
| Risk-weighted assets | 523,355,000 | 523,841,000 | 535,314,000 | 544,673,000 |