Call reports 2010
LCNB NATIONAL BANK — 2010
What LCNB NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 731,932,000 | 773,710,000 | 780,136,000 | 758,417,000 |
| Total loans | 459,829,000 | 459,721,000 | 458,394,000 | 454,991,000 |
| Allowance for loan losses | 3,060,000 | 3,150,000 | 2,290,000 | 2,641,000 |
| Securities available for sale | 184,526,000 | 201,918,000 | 221,900,000 | 235,015,000 |
| Securities held to maturity | 13,887,000 | 13,705,000 | 12,479,000 | 12,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 632,080,000 | 672,901,000 | 673,041,000 | 638,743,000 |
| Interest-bearing deposits | 542,141,000 | 578,008,000 | 577,202,000 | 539,545,000 |
| Noninterest-bearing deposits | 89,939,000 | 94,893,000 | 95,840,000 | 99,197,000 |
| Equity capital | 64,747,000 | 67,606,000 | 69,823,000 | 68,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,585,000 | 17,099,000 | 25,551,000 | 33,951,000 |
| Interest expense | 2,162,000 | 4,268,000 | 6,351,000 | 8,337,000 |
| Net interest income | 6,423,000 | 12,831,000 | 19,200,000 | 25,614,000 |
| Noninterest income | 1,686,000 | 4,160,000 | 6,051,000 | 7,984,000 |
| Noninterest expense | 5,163,000 | 10,342,000 | 15,863,000 | 21,159,000 |
| Provision for loan losses | 208,000 | 719,000 | 987,000 | 1,680,000 |
| Pretax income | 2,815,000 | 6,059,000 | 8,577,000 | 11,707,000 |
| Income tax | 650,000 | 1,188,000 | 1,751,000 | 2,520,000 |
| Net income | 2,165,000 | 4,871,000 | 6,826,000 | 9,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,410,000 | 58,041,000 | 58,913,000 | 60,881,000 |
| Total capital | 59,470,000 | 61,191,000 | 61,203,000 | 63,522,000 |
| Risk-weighted assets | 471,327,000 | 474,238,000 | 474,542,000 | 469,760,000 |