Call reports 2009
LCNB NATIONAL BANK — 2009
What LCNB NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 675,149,000 | 702,543,000 | 735,684,000 | 733,289,000 |
| Total loans | 446,205,000 | 454,551,000 | 459,998,000 | 460,416,000 |
| Allowance for loan losses | 2,468,000 | 2,600,000 | 2,799,000 | 2,998,000 |
| Securities available for sale | 158,654,000 | 172,687,000 | 188,523,000 | 201,168,000 |
| Securities held to maturity | 4,713,000 | 6,071,000 | 12,156,000 | 13,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 592,145,000 | 617,198,000 | 641,615,000 | 625,062,000 |
| Interest-bearing deposits | 508,949,000 | 532,790,000 | 557,266,000 | 530,285,000 |
| Noninterest-bearing deposits | 83,195,000 | 84,408,000 | 84,350,000 | 94,778,000 |
| Equity capital | 59,307,000 | 60,506,000 | 63,176,000 | 63,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,529,000 | 17,082,000 | 25,748,000 | 34,544,000 |
| Interest expense | 2,728,000 | 5,254,000 | 7,709,000 | 10,060,000 |
| Net interest income | 5,801,000 | 11,828,000 | 18,039,000 | 24,484,000 |
| Noninterest income | 1,761,000 | 3,580,000 | 5,294,000 | 7,138,000 |
| Noninterest expense | 5,511,000 | 10,876,000 | 15,687,000 | 20,591,000 |
| Provision for loan losses | 98,000 | 306,000 | 970,000 | 1,400,000 |
| Pretax income | 1,953,000 | 4,226,000 | 6,676,000 | 9,748,000 |
| Income tax | 437,000 | 961,000 | 1,515,000 | 2,262,000 |
| Net income | 1,516,000 | 3,265,000 | 5,161,000 | 7,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,590,000 | 53,248,000 | 54,072,000 | 55,317,000 |
| Total capital | 55,058,000 | 55,848,000 | 56,871,000 | 58,315,000 |
| Risk-weighted assets | 457,450,000 | 465,420,000 | 474,346,000 | 474,136,000 |
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