Call reports 2012
LORAIN NATIONAL BANK, THE — 2012
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,198,485,000 | 1,207,283,000 | 1,206,010,000 | 1,177,747,000 |
| Total loans | 866,682,000 | 868,666,000 | 889,095,000 | 890,182,000 |
| Allowance for loan losses | 17,115,000 | 17,300,000 | 17,587,000 | 17,637,000 |
| Securities available for sale | 231,851,000 | 228,788,000 | 235,334,000 | 203,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,018,284,000 | 1,024,979,000 | 1,022,466,000 | 1,001,594,000 |
| Interest-bearing deposits | 961,485,000 | 967,807,000 | 996,938,000 | 968,930,000 |
| Noninterest-bearing deposits | 56,799,000 | 57,172,000 | 25,528,000 | 32,664,000 |
| Equity capital | 127,890,000 | 129,964,000 | 131,075,000 | 124,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 11,678,000 | 23,521,000 | 35,030,000 | 45,949,000 |
| Interest expense | 1,848,000 | 3,586,000 | 5,252,000 | 6,810,000 |
| Net interest income | 9,830,000 | 19,935,000 | 29,778,000 | 39,139,000 |
| Noninterest income | 2,891,000 | 5,450,000 | 8,386,000 | 11,637,000 |
| Noninterest expense | 8,383,000 | 17,179,000 | 25,695,000 | 34,252,000 |
| Provision for loan losses | 1,900,000 | 3,567,000 | 5,442,000 | 7,242,000 |
| Pretax income | 2,438,000 | 4,639,000 | 7,073,000 | 9,471,000 |
| Income tax | 688,000 | 1,174,000 | 1,819,000 | 2,420,000 |
| Net income | 1,750,000 | 3,465,000 | 5,254,000 | 7,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,708,000 | 105,459,000 | 106,437,000 | 100,608,000 |
| Total capital | 114,970,000 | 116,575,000 | 117,995,000 | 112,150,000 |
| Risk-weighted assets | 895,095,000 | 902,158,000 | 918,755,000 | 917,274,000 |