Call reports 2005
LCNB NATIONAL BANK — 2005
What LCNB NATIONAL 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 | 518,718,000 | 538,349,000 | 535,182,000 | 535,648,000 |
| Total loans | 340,551,000 | 348,482,000 | 353,869,000 | 359,801,000 |
| Allowance for loan losses | 2,150,000 | 2,154,000 | 2,151,000 | 2,150,000 |
| Securities available for sale | 123,003,000 | 136,969,000 | 129,632,000 | 130,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,316,000 | 486,529,000 | 481,772,000 | 483,068,000 |
| Interest-bearing deposits | 392,436,000 | 408,061,000 | 399,205,000 | 399,445,000 |
| Noninterest-bearing deposits | 74,880,000 | 78,468,000 | 82,567,000 | 83,623,000 |
| Equity capital | 46,147,000 | 46,866,000 | 47,334,000 | 46,940,000 |
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 | 6,517,000 | 13,328,000 | 20,280,000 | 27,497,000 |
| Interest expense | 1,972,000 | 4,181,000 | 6,512,000 | 9,025,000 |
| Net interest income | 4,545,000 | 9,147,000 | 13,768,000 | 18,472,000 |
| Noninterest income | 1,401,000 | 3,011,000 | 4,872,000 | 6,452,000 |
| Noninterest expense | 4,017,000 | 7,987,000 | 12,055,000 | 16,015,000 |
| Provision for loan losses | 99,000 | 216,000 | 262,000 | 338,000 |
| Pretax income | 1,830,000 | 3,955,000 | 6,315,000 | 8,563,000 |
| Income tax | 442,000 | 984,000 | 1,585,000 | 2,145,000 |
| Net income | 1,388,000 | 2,971,000 | 4,730,000 | 6,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,629,000 | 45,357,000 | 46,062,000 | 46,298,000 |
| Total capital | 46,779,000 | 47,511,000 | 48,213,000 | 48,448,000 |
| Risk-weighted assets | 335,727,000 | 349,768,000 | 352,798,000 | 357,119,000 |
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