Call reports 2012
LCNB NATIONAL BANK — 2012
What LCNB NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 787,160,000 | 826,854,000 | 812,484,000 | 786,912,000 |
| Total loans | 456,981,000 | 461,581,000 | 457,407,000 | 453,783,000 |
| Allowance for loan losses | 2,890,000 | 2,952,000 | 2,866,000 | 3,437,000 |
| Securities available for sale | 247,646,000 | 280,539,000 | 261,071,000 | 256,791,000 |
| Securities held to maturity | 10,451,000 | 11,474,000 | 12,503,000 | 15,424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 675,917,000 | 711,227,000 | 701,344,000 | 674,799,000 |
| Interest-bearing deposits | 562,694,000 | 592,843,000 | 584,591,000 | 537,623,000 |
| Noninterest-bearing deposits | 113,223,000 | 118,383,000 | 116,752,000 | 137,176,000 |
| Equity capital | 73,899,000 | 75,701,000 | 77,201,000 | 76,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,706,000 | 15,247,000 | 22,623,000 | 29,829,000 |
| Interest expense | 1,321,000 | 2,594,000 | 3,783,000 | 4,891,000 |
| Net interest income | 6,385,000 | 12,653,000 | 18,840,000 | 24,938,000 |
| Noninterest income | 1,875,000 | 3,553,000 | 5,341,000 | 6,910,000 |
| Noninterest expense | 5,340,000 | 10,642,000 | 16,190,000 | 21,288,000 |
| Provision for loan losses | 215,000 | 306,000 | 742,000 | 1,351,000 |
| Pretax income | 3,085,000 | 5,708,000 | 8,119,000 | 10,999,000 |
| Income tax | 807,000 | 1,459,000 | 2,034,000 | 2,794,000 |
| Net income | 2,278,000 | 4,249,000 | 6,085,000 | 8,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,643,000 | 64,529,000 | 65,275,000 | 66,308,000 |
| Total capital | 66,533,000 | 67,481,000 | 68,141,000 | 69,745,000 |
| Risk-weighted assets | 473,709,000 | 483,550,000 | 474,287,000 | 469,279,000 |