Call reports 2014
LCNB NATIONAL BANK — 2014
What LCNB NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,131,373,000 | 1,149,168,000 | 1,121,420,000 | 1,106,092,000 |
| Total loans | 685,196,000 | 691,718,000 | 685,915,000 | 698,956,000 |
| Allowance for loan losses | 3,370,000 | 3,394,000 | 3,298,000 | 3,121,000 |
| Securities available for sale | 304,918,000 | 322,546,000 | 287,692,000 | 280,199,000 |
| Securities held to maturity | 16,467,000 | 23,843,000 | 23,504,000 | 22,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 984,881,000 | 987,286,000 | 957,106,000 | 950,190,000 |
| Interest-bearing deposits | 788,507,000 | 784,896,000 | 765,758,000 | 732,902,000 |
| Noninterest-bearing deposits | 196,374,000 | 202,390,000 | 191,347,000 | 217,289,000 |
| Equity capital | 117,489,000 | 120,181,000 | 120,770,000 | 119,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,243,000 | 19,150,000 | 29,036,000 | 39,385,000 |
| Interest expense | 915,000 | 1,835,000 | 2,746,000 | 3,590,000 |
| Net interest income | 8,328,000 | 17,315,000 | 26,290,000 | 35,795,000 |
| Noninterest income | 2,067,000 | 4,322,000 | 6,707,000 | 9,716,000 |
| Noninterest expense | 8,582,000 | 16,090,000 | 23,469,000 | 30,489,000 |
| Provision for loan losses | 81,000 | 336,000 | 737,000 | 930,000 |
| Pretax income | 1,732,000 | 5,211,000 | 8,868,000 | 14,231,000 |
| Income tax | 386,000 | 1,240,000 | 2,192,000 | 3,736,000 |
| Net income | 1,346,000 | 3,971,000 | 6,676,000 | 10,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,267,000 | 87,344,000 | 88,799,000 | 86,881,000 |
| Total capital | 89,637,000 | 90,738,000 | 92,097,000 | 90,002,000 |
| Risk-weighted assets | 699,575,000 | 673,374,000 | 659,534,000 | 666,748,000 |