Call reports 2001
LORAIN NATIONAL BANK, THE — 2001
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 622,094,000 | 631,544,000 | 644,247,000 | 660,818,000 |
| Total loans | 451,330,000 | 459,783,000 | 470,757,000 | 477,488,000 |
| Allowance for loan losses | 5,045,000 | 5,195,000 | 5,412,000 | 5,890,000 |
| Securities available for sale | 89,520,000 | 88,140,000 | 109,586,000 | 117,387,000 |
| Securities held to maturity | 37,363,000 | 36,008,000 | 17,908,000 | 17,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 510,158,000 | 509,638,000 | 520,324,000 | 519,492,000 |
| Interest-bearing deposits | 428,540,000 | 425,237,000 | 435,488,000 | 430,779,000 |
| Noninterest-bearing deposits | 81,618,000 | 84,401,000 | 84,836,000 | 88,713,000 |
| Equity capital | 50,964,000 | 52,063,000 | 53,954,000 | 54,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 11,682,000 | 23,133,000 | 34,149,000 | 44,915,000 |
| Interest expense | 4,970,000 | 9,470,000 | 13,733,000 | 17,272,000 |
| Net interest income | 6,712,000 | 13,663,000 | 20,416,000 | 27,643,000 |
| Noninterest income | 2,073,000 | 4,434,000 | 6,774,000 | 9,282,000 |
| Noninterest expense | 5,321,000 | 11,021,000 | 16,578,000 | 22,450,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 2,200,000 |
| Pretax income | 3,014,000 | 6,176,000 | 9,512,000 | 12,525,000 |
| Income tax | 1,009,000 | 2,064,000 | 3,208,000 | 4,024,000 |
| Net income | 2,005,000 | 4,112,000 | 6,304,000 | 8,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,260,000 | 47,389,000 | 48,600,000 | 49,681,000 |
| Total capital | 55,305,000 | 56,584,000 | 58,012,000 | 59,581,000 |
| Risk-weighted assets | 444,636,000 | 458,082,000 | 482,502,000 | 479,349,000 |