Call reports 2007
LCNB NATIONAL BANK — 2007
What LCNB NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 539,226,000 | 538,470,000 | 559,782,000 | 602,444,000 |
| Total loans | 391,895,000 | 394,640,000 | 396,167,000 | 446,887,000 |
| Allowance for loan losses | 2,050,000 | 2,050,000 | 2,051,000 | 2,468,000 |
| Securities available for sale | 101,950,000 | 94,887,000 | 90,357,000 | 86,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,791,000 | 481,136,000 | 499,789,000 | 536,859,000 |
| Interest-bearing deposits | 397,346,000 | 397,314,000 | 414,443,000 | 454,531,000 |
| Noninterest-bearing deposits | 84,445,000 | 83,822,000 | 85,346,000 | 82,328,000 |
| Equity capital | 48,624,000 | 48,683,000 | 49,629,000 | 54,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,844,000 | 15,770,000 | 23,685,000 | 31,969,000 |
| Interest expense | 3,322,000 | 6,694,000 | 10,226,000 | 13,838,000 |
| Net interest income | 4,522,000 | 9,076,000 | 13,459,000 | 18,131,000 |
| Noninterest income | 1,534,000 | 3,252,000 | 4,964,000 | 6,673,000 |
| Noninterest expense | 4,220,000 | 8,405,000 | 12,679,000 | 16,898,000 |
| Provision for loan losses | 60,000 | 84,000 | 158,000 | 266,000 |
| Pretax income | 1,776,000 | 3,839,000 | 5,586,000 | 7,641,000 |
| Income tax | 414,000 | 929,000 | 1,343,000 | 1,856,000 |
| Net income | 1,362,000 | 2,910,000 | 4,243,000 | 5,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,082,000 | 49,779,000 | 50,257,000 | 49,957,000 |
| Total capital | 51,132,000 | 51,829,000 | 52,308,000 | 52,425,000 |
| Risk-weighted assets | 377,851,000 | 383,082,000 | 387,060,000 | 431,592,000 |
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