Call reports 2015
LCNB NATIONAL BANK — 2015
What LCNB NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,127,462,000 | 1,247,954,000 | 1,273,854,000 | 1,279,353,000 |
| Total loans | 701,686,000 | 754,736,000 | 762,833,000 | 770,937,000 |
| Allowance for loan losses | 2,838,000 | 2,879,000 | 2,958,000 | 3,129,000 |
| Securities available for sale | 295,875,000 | 344,039,000 | 357,473,000 | 376,731,000 |
| Securities held to maturity | 22,918,000 | 24,677,000 | 24,575,000 | 22,633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 976,070,000 | 1,084,629,000 | 1,104,016,000 | 1,087,693,000 |
| Interest-bearing deposits | 764,204,000 | 855,290,000 | 864,717,000 | 836,853,000 |
| Noninterest-bearing deposits | 211,866,000 | 229,339,000 | 239,299,000 | 250,840,000 |
| Equity capital | 123,761,000 | 135,557,000 | 138,663,000 | 138,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,074,000 | 21,402,000 | 31,799,000 | 42,600,000 |
| Interest expense | 762,000 | 1,509,000 | 2,421,000 | 3,328,000 |
| Net interest income | 9,312,000 | 19,893,000 | 29,378,000 | 39,272,000 |
| Noninterest income | 2,391,000 | 5,184,000 | 7,603,000 | 9,997,000 |
| Noninterest expense | 7,633,000 | 15,972,000 | 23,875,000 | 31,744,000 |
| Provision for loan losses | 69,000 | 746,000 | 985,000 | 1,365,000 |
| Pretax income | 4,068,000 | 8,426,000 | 12,188,000 | 16,401,000 |
| Income tax | 1,137,000 | 2,356,000 | 3,350,000 | 4,472,000 |
| Net income | 2,931,000 | 6,070,000 | 8,838,000 | 11,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,454,000 | 102,778,000 | 103,932,000 | 105,989,000 |
| Total capital | 95,291,000 | 105,657,000 | 106,890,000 | 109,118,000 |
| Risk-weighted assets | 695,552,000 | 753,513,000 | 782,300,000 | 799,275,000 |