Call reports 2015
LORAIN NATIONAL BANK, THE — 2015
What LORAIN NATIONAL BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 1,255,235,000 | 1,237,190,000 |
| Total loans | 929,055,000 | 937,888,000 |
| Allowance for loan losses | 16,797,000 | 15,929,000 |
| Securities available for sale | 203,848,000 | 208,243,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,071,387,000 | 1,053,642,000 |
| Interest-bearing deposits | 1,035,052,000 | 1,015,765,000 |
| Noninterest-bearing deposits | 36,334,000 | 37,877,000 |
| Equity capital | 130,224,000 | 130,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 10,149,000 | 20,410,000 |
| Interest expense | 1,163,000 | 2,369,000 |
| Net interest income | 8,986,000 | 18,041,000 |
| Noninterest income | 2,805,000 | 5,949,000 |
| Noninterest expense | 8,993,000 | 17,727,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 2,990,000 | 6,455,000 |
| Income tax | 889,000 | 1,859,000 |
| Net income | 2,101,000 | 4,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 108,034,000 | 110,011,000 |
| Total capital | 120,932,000 | 122,735,000 |
| Risk-weighted assets | 1,028,012,000 | 1,014,706,000 |