Call reports 2011
LORAIN NATIONAL BANK, THE — 2011
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,174,777,000 | 1,156,709,000 | 1,169,645,000 | 1,167,862,000 |
| Total loans | 815,889,000 | 831,620,000 | 841,561,000 | 846,536,000 |
| Allowance for loan losses | 17,316,000 | 17,351,000 | 17,845,000 | 17,063,000 |
| Securities available for sale | 235,563,000 | 231,025,000 | 232,358,000 | 226,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,003,438,000 | 983,623,000 | 990,382,000 | 993,769,000 |
| Interest-bearing deposits | 953,141,000 | 929,173,000 | 940,878,000 | 939,049,000 |
| Noninterest-bearing deposits | 50,297,000 | 54,450,000 | 49,504,000 | 54,720,000 |
| Equity capital | 121,824,000 | 123,779,000 | 125,460,000 | 126,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 12,333,000 | 24,807,000 | 37,340,000 | 49,349,000 |
| Interest expense | 2,612,000 | 5,110,000 | 7,450,000 | 9,582,000 |
| Net interest income | 9,721,000 | 19,697,000 | 29,890,000 | 39,767,000 |
| Noninterest income | 2,657,000 | 5,370,000 | 7,931,000 | 10,623,000 |
| Noninterest expense | 9,121,000 | 17,536,000 | 25,819,000 | 33,848,000 |
| Provision for loan losses | 2,100,000 | 5,445,000 | 7,545,000 | 10,353,000 |
| Pretax income | 1,569,000 | 2,586,000 | 4,965,000 | 7,021,000 |
| Income tax | 326,000 | 471,000 | 1,042,000 | 1,459,000 |
| Net income | 1,243,000 | 2,115,000 | 3,923,000 | 5,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,595,000 | 98,400,000 | 100,249,000 | 101,925,000 |
| Total capital | 110,574,000 | 111,401,000 | 113,287,000 | 113,005,000 |
| Risk-weighted assets | 871,878,000 | 873,761,000 | 876,314,000 | 880,409,000 |