Call reports 2008
LCNB NATIONAL BANK — 2008
What LCNB NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 603,241,000 | 633,773,000 | 664,928,000 | 648,792,000 |
| Total loans | 446,824,000 | 446,464,000 | 450,161,000 | 453,810,000 |
| Allowance for loan losses | 2,468,000 | 2,468,000 | 2,467,000 | 2,468,000 |
| Securities available for sale | 86,168,000 | 101,526,000 | 136,070,000 | 136,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,317,000 | 567,911,000 | 597,555,000 | 579,511,000 |
| Interest-bearing deposits | 455,120,000 | 483,334,000 | 512,117,000 | 494,977,000 |
| Noninterest-bearing deposits | 83,197,000 | 84,577,000 | 85,438,000 | 84,534,000 |
| Equity capital | 55,362,000 | 54,943,000 | 56,291,000 | 55,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,610,000 | 17,070,000 | 25,674,000 | 34,333,000 |
| Interest expense | 3,631,000 | 6,915,000 | 10,205,000 | 13,421,000 |
| Net interest income | 4,979,000 | 10,155,000 | 15,469,000 | 20,912,000 |
| Noninterest income | 1,639,000 | 3,352,000 | 5,130,000 | 6,800,000 |
| Noninterest expense | 4,682,000 | 9,276,000 | 13,824,000 | 18,437,000 |
| Provision for loan losses | 83,000 | 134,000 | 322,000 | 620,000 |
| Pretax income | 1,853,000 | 4,098,000 | 6,454,000 | 8,656,000 |
| Income tax | 457,000 | 1,033,000 | 1,629,000 | 2,170,000 |
| Net income | 1,396,000 | 3,065,000 | 4,825,000 | 6,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,418,000 | 51,084,000 | 51,784,000 | 52,155,000 |
| Total capital | 52,886,000 | 53,552,000 | 54,252,000 | 54,623,000 |
| Risk-weighted assets | 432,475,000 | 439,967,000 | 446,267,000 | 448,002,000 |
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