Call reports 2011
LCNB NATIONAL BANK — 2011
What LCNB NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 764,647,000 | 791,841,000 | 807,250,000 | 787,127,000 |
| Total loans | 463,453,000 | 457,556,000 | 449,536,000 | 461,262,000 |
| Allowance for loan losses | 2,931,000 | 3,109,000 | 3,241,000 | 2,931,000 |
| Securities available for sale | 210,979,000 | 249,660,000 | 266,965,000 | 249,794,000 |
| Securities held to maturity | 11,497,000 | 11,243,000 | 11,133,000 | 10,734,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 657,352,000 | 679,657,000 | 689,971,000 | 664,853,000 |
| Interest-bearing deposits | 559,603,000 | 580,193,000 | 587,349,000 | 556,769,000 |
| Noninterest-bearing deposits | 97,750,000 | 99,465,000 | 102,621,000 | 108,085,000 |
| Equity capital | 68,853,000 | 72,614,000 | 76,595,000 | 72,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,117,000 | 16,202,000 | 24,164,000 | 32,030,000 |
| Interest expense | 1,772,000 | 3,439,000 | 4,976,000 | 6,387,000 |
| Net interest income | 6,345,000 | 12,763,000 | 19,188,000 | 25,643,000 |
| Noninterest income | 1,636,000 | 3,368,000 | 5,145,000 | 6,629,000 |
| Noninterest expense | 5,963,000 | 11,274,000 | 16,660,000 | 21,722,000 |
| Provision for loan losses | 664,000 | 888,000 | 1,476,000 | 2,089,000 |
| Pretax income | 1,649,000 | 4,388,000 | 6,889,000 | 9,399,000 |
| Income tax | 287,000 | 981,000 | 1,581,000 | 2,174,000 |
| Net income | 1,362,000 | 3,407,000 | 5,308,000 | 7,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,406,000 | 63,489,000 | 65,013,000 | 61,852,000 |
| Total capital | 64,337,000 | 66,598,000 | 68,254,000 | 64,783,000 |
| Risk-weighted assets | 472,473,000 | 470,858,000 | 473,033,000 | 478,070,000 |