Call reports 2007
LORAIN NATIONAL BANK, THE — 2007
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 852,816,000 | 1,003,073,000 | 1,018,694,000 | 1,056,565,000 |
| Total loans | 627,921,000 | 735,654,000 | 731,328,000 | 758,322,000 |
| Allowance for loan losses | 7,258,000 | 8,115,000 | 7,951,000 | 7,820,000 |
| Securities available for sale | 110,373,000 | 147,752,000 | 167,302,000 | 179,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 48,615,000 | 31,581,000 | 32,000,000 | 33,402,000 |
| Total deposits | 722,913,000 | 824,662,000 | 835,049,000 | 857,889,000 |
| Interest-bearing deposits | 644,231,000 | 789,632,000 | 804,533,000 | 817,056,000 |
| Noninterest-bearing deposits | 78,682,000 | 35,030,000 | 30,516,000 | 40,833,000 |
| Equity capital | 65,045,000 | 91,389,000 | 93,793,000 | 95,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,870,000 | 27,029,000 | 42,897,000 | 58,751,000 |
| Interest expense | 6,092,000 | 12,935,000 | 20,742,000 | 28,545,000 |
| Net interest income | 6,778,000 | 14,094,000 | 22,155,000 | 30,206,000 |
| Noninterest income | 3,025,000 | 5,236,000 | 8,276,000 | 11,365,000 |
| Noninterest expense | 7,361,000 | 15,315,000 | 23,632,000 | 31,638,000 |
| Provision for loan losses | 383,000 | 1,236,000 | 1,677,000 | 2,255,000 |
| Pretax income | 2,059,000 | 3,038,000 | 5,383,000 | 7,952,000 |
| Income tax | 536,000 | 669,000 | 1,052,000 | 1,645,000 |
| Net income | 1,523,000 | 2,369,000 | 4,331,000 | 6,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,983,000 | 70,542,000 | 71,429,000 | 71,623,000 |
| Total capital | 74,241,000 | 86,657,000 | 87,380,000 | 87,443,000 |
| Risk-weighted assets | 712,055,000 | 809,684,000 | 808,013,000 | 833,217,000 |