Call reports 2013
LORAIN NATIONAL BANK, THE — 2013
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,230,657,000 | 1,217,710,000 | 1,209,964,000 | 1,229,726,000 |
| Total loans | 896,181,000 | 886,319,000 | 893,410,000 | 906,782,000 |
| Allowance for loan losses | 17,806,000 | 17,815,000 | 17,791,000 | 17,505,000 |
| Securities available for sale | 223,173,000 | 228,766,000 | 215,290,000 | 216,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,051,115,000 | 1,041,182,000 | 1,034,197,000 | 1,054,910,000 |
| Interest-bearing deposits | 1,024,821,000 | 1,010,903,000 | 1,000,999,000 | 1,006,366,000 |
| Noninterest-bearing deposits | 26,293,000 | 30,278,000 | 33,197,000 | 48,544,000 |
| Equity capital | 124,186,000 | 122,895,000 | 121,824,000 | 120,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 10,274,000 | 20,850,000 | 31,155,000 | 41,680,000 |
| Interest expense | 1,405,000 | 2,797,000 | 4,155,000 | 5,468,000 |
| Net interest income | 8,869,000 | 18,053,000 | 27,000,000 | 36,212,000 |
| Noninterest income | 3,317,000 | 6,273,000 | 8,760,000 | 12,037,000 |
| Noninterest expense | 9,190,000 | 17,369,000 | 25,586,000 | 34,447,000 |
| Provision for loan losses | 1,350,000 | 2,400,000 | 3,350,000 | 4,375,000 |
| Pretax income | 1,824,000 | 4,728,000 | 6,995,000 | 9,598,000 |
| Income tax | 419,000 | 1,189,000 | 1,754,000 | 2,439,000 |
| Net income | 1,405,000 | 3,539,000 | 5,241,000 | 7,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,531,000 | 103,265,000 | 104,547,000 | 104,090,000 |
| Total capital | 113,339,000 | 114,941,000 | 116,345,000 | 116,064,000 |
| Risk-weighted assets | 938,760,000 | 927,961,000 | 937,809,000 | 952,359,000 |