Call reports 2016
LCNB NATIONAL BANK — 2016
What LCNB NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,284,769,000 | 1,311,518,000 | 1,332,596,000 | 1,305,671,000 |
| Total loans | 778,714,000 | 800,465,000 | 811,662,000 | 819,803,000 |
| Allowance for loan losses | 3,150,000 | 3,373,000 | 3,798,000 | 3,575,000 |
| Securities available for sale | 349,828,000 | 352,290,000 | 345,378,000 | 319,657,000 |
| Securities held to maturity | 36,505,000 | 39,447,000 | 42,037,000 | 41,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,120,573,000 | 1,125,176,000 | 1,159,378,000 | 1,111,396,000 |
| Interest-bearing deposits | 870,769,000 | 872,199,000 | 899,878,000 | 839,573,000 |
| Noninterest-bearing deposits | 249,804,000 | 252,977,000 | 259,500,000 | 271,823,000 |
| Equity capital | 141,370,000 | 144,074,000 | 145,249,000 | 141,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 10,610,000 | 21,609,000 | 32,495,000 | 43,711,000 |
| Interest expense | 849,000 | 1,732,000 | 2,616,000 | 3,505,000 |
| Net interest income | 9,761,000 | 19,877,000 | 29,879,000 | 40,206,000 |
| Noninterest income | 2,474,000 | 4,764,000 | 7,291,000 | 9,967,000 |
| Noninterest expense | 8,247,000 | 16,266,000 | 24,591,000 | 32,442,000 |
| Provision for loan losses | 90,000 | 486,000 | 858,000 | 913,000 |
| Pretax income | 4,269,000 | 8,531,000 | 12,670,000 | 17,892,000 |
| Income tax | 1,151,000 | 2,281,000 | 3,361,000 | 4,778,000 |
| Net income | 3,118,000 | 6,250,000 | 9,309,000 | 13,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,255,000 | 106,799,000 | 108,971,000 | 111,254,000 |
| Total capital | 108,405,000 | 110,172,000 | 112,769,000 | 114,829,000 |
| Risk-weighted assets | 812,256,000 | 840,279,000 | 855,164,000 | 867,486,000 |