Call reports 2013
LCNB NATIONAL BANK — 2013
What LCNB NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 944,305,000 | 943,771,000 | 939,514,000 | 929,782,000 |
| Total loans | 549,667,000 | 556,314,000 | 566,109,000 | 574,355,000 |
| Allowance for loan losses | 3,404,000 | 3,426,000 | 3,423,000 | 3,588,000 |
| Securities available for sale | 273,906,000 | 275,015,000 | 267,390,000 | 254,647,000 |
| Securities held to maturity | 22,831,000 | 21,563,000 | 21,058,000 | 16,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 821,447,000 | 801,258,000 | 808,769,000 | 812,254,000 |
| Interest-bearing deposits | 662,222,000 | 638,585,000 | 648,882,000 | 620,849,000 |
| Noninterest-bearing deposits | 159,225,000 | 162,673,000 | 159,886,000 | 191,405,000 |
| Equity capital | 91,520,000 | 87,412,000 | 89,387,000 | 90,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,057,000 | 16,439,000 | 24,866,000 | 33,408,000 |
| Interest expense | 1,099,000 | 2,143,000 | 3,138,000 | 4,065,000 |
| Net interest income | 6,958,000 | 14,296,000 | 21,728,000 | 29,343,000 |
| Noninterest income | 2,150,000 | 4,187,000 | 6,156,000 | 8,194,000 |
| Noninterest expense | 7,288,000 | 13,535,000 | 19,651,000 | 26,249,000 |
| Provision for loan losses | 149,000 | 191,000 | 369,000 | 588,000 |
| Pretax income | 2,252,000 | 5,447,000 | 8,611,000 | 11,635,000 |
| Income tax | 523,000 | 1,359,000 | 2,169,000 | 2,929,000 |
| Net income | 1,729,000 | 4,088,000 | 6,442,000 | 8,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,721,000 | 72,104,000 | 73,641,000 | 75,762,000 |
| Total capital | 74,125,000 | 75,530,000 | 77,064,000 | 79,350,000 |
| Risk-weighted assets | 570,430,000 | 580,023,000 | 572,955,000 | 574,783,000 |