Call reports 2009
LORAIN NATIONAL BANK, THE — 2009
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,187,803,000 | 1,231,336,000 | 1,180,377,000 | 1,148,660,000 |
| Total loans | 805,009,000 | 809,987,000 | 815,307,000 | 806,980,000 |
| Allowance for loan losses | 11,575,000 | 12,978,000 | 22,556,000 | 18,792,000 |
| Securities available for sale | 248,047,000 | 281,733,000 | 273,144,000 | 247,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 11,004,000 | 10,630,000 | 8,865,000 | 8,445,000 |
| Total deposits | 1,003,624,000 | 1,040,775,000 | 969,875,000 | 974,018,000 |
| Interest-bearing deposits | 960,355,000 | 1,002,036,000 | 938,296,000 | 923,011,000 |
| Noninterest-bearing deposits | 43,269,000 | 38,739,000 | 31,579,000 | 51,007,000 |
| Equity capital | 96,836,000 | 96,639,000 | 118,437,000 | 118,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,528,000 | 28,879,000 | 43,399,000 | 57,641,000 |
| Interest expense | 5,459,000 | 10,532,000 | 15,344,000 | 19,347,000 |
| Net interest income | 9,069,000 | 18,347,000 | 28,055,000 | 38,294,000 |
| Noninterest income | 2,544,000 | 5,513,000 | 8,562,000 | 11,301,000 |
| Noninterest expense | 8,348,000 | 17,812,000 | 26,544,000 | 35,302,000 |
| Provision for loan losses | 1,809,000 | 4,293,000 | 15,360,000 | 19,017,000 |
| Pretax income | 1,794,000 | 2,341,000 | -4,612,000 | -4,034,000 |
| Income tax | 340,000 | 286,000 | -2,389,000 | -2,447,000 |
| Net income | 1,454,000 | 2,055,000 | -2,223,000 | -1,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,657,000 | 72,312,000 | 92,069,000 | 92,752,000 |
| Total capital | 89,433,000 | 89,301,000 | 107,015,000 | 107,539,000 |
| Risk-weighted assets | 861,318,000 | 877,094,000 | 864,096,000 | 862,994,000 |