Call reports 2004
LCNB NATIONAL BANK — 2004
What LCNB NATIONAL 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 | 495,020,000 | 497,647,000 | 513,511,000 | 516,771,000 |
| Total loans | 318,662,000 | 328,342,000 | 336,364,000 | 336,590,000 |
| Allowance for loan losses | 2,150,000 | 2,150,000 | 2,150,000 | 2,150,000 |
| Securities available for sale | 131,125,000 | 135,144,000 | 128,042,000 | 108,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,965,000 | 446,264,000 | 460,164,000 | 464,576,000 |
| Interest-bearing deposits | 368,426,000 | 374,685,000 | 385,262,000 | 390,483,000 |
| Noninterest-bearing deposits | 71,539,000 | 71,579,000 | 74,902,000 | 74,093,000 |
| Equity capital | 47,443,000 | 44,760,000 | 46,260,000 | 46,511,000 |
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 | 6,312,000 | 12,546,000 | 18,963,000 | 25,475,000 |
| Interest expense | 1,858,000 | 3,604,000 | 5,428,000 | 7,357,000 |
| Net interest income | 4,454,000 | 8,942,000 | 13,535,000 | 18,118,000 |
| Noninterest income | 1,725,000 | 3,098,000 | 4,479,000 | 5,984,000 |
| Noninterest expense | 3,966,000 | 7,662,000 | 11,423,000 | 15,219,000 |
| Provision for loan losses | 90,000 | 300,000 | 430,000 | 489,000 |
| Pretax income | 2,250,000 | 4,205,000 | 6,297,000 | 8,700,000 |
| Income tax | 624,000 | 1,152,000 | 1,725,000 | 2,388,000 |
| Net income | 1,626,000 | 3,053,000 | 4,572,000 | 6,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,939,000 | 42,698,000 | 43,182,000 | 44,097,000 |
| Total capital | 45,089,000 | 44,848,000 | 45,332,000 | 46,247,000 |
| Risk-weighted assets | 314,297,000 | 320,282,000 | 326,716,000 | 334,016,000 |
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