Call reports 2005
LORAIN NATIONAL BANK, THE — 2005
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 777,229,000 | 790,971,000 | 812,401,000 | 801,100,000 |
| Total loans | 579,266,000 | 582,198,000 | 598,149,000 | 591,011,000 |
| Allowance for loan losses | 7,545,000 | 7,793,000 | 7,890,000 | 6,622,000 |
| Securities available for sale | 138,094,000 | 144,598,000 | 152,315,000 | 151,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,500,000 | 642,832,000 | 658,761,000 | 641,221,000 |
| Interest-bearing deposits | 515,338,000 | 545,001,000 | 559,203,000 | 552,619,000 |
| Noninterest-bearing deposits | 94,162,000 | 97,831,000 | 99,558,000 | 88,602,000 |
| Equity capital | 60,323,000 | 62,265,000 | 62,612,000 | 63,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,033,000 | 20,549,000 | 31,653,000 | 43,353,000 |
| Interest expense | 2,787,000 | 5,851,000 | 9,546,000 | 13,675,000 |
| Net interest income | 7,246,000 | 14,698,000 | 22,107,000 | 29,678,000 |
| Noninterest income | 2,767,000 | 5,421,000 | 8,018,000 | 10,276,000 |
| Noninterest expense | 7,653,000 | 15,944,000 | 22,698,000 | 30,058,000 |
| Provision for loan losses | 399,000 | 798,000 | 1,098,000 | 1,248,000 |
| Pretax income | 2,043,000 | 3,478,000 | 6,430,000 | 8,748,000 |
| Income tax | 573,000 | 1,078,000 | 1,914,000 | 2,425,000 |
| Net income | 1,470,000 | 2,400,000 | 4,516,000 | 6,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,319,000 | 60,391,000 | 61,500,000 | 63,637,000 |
| Total capital | 71,864,000 | 72,184,000 | 73,390,000 | 74,259,000 |
| Risk-weighted assets | 643,414,000 | 651,033,000 | 668,712,000 | 658,278,000 |