Call reports 2002
LNB COMMUNITY BANK — 2002
What LNB COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 63,458,000 | 72,900,000 | 65,972,000 | 80,611,000 |
| Total loans | 49,254,000 | 50,023,000 | 48,321,000 | 48,501,000 |
| Allowance for loan losses | 623,000 | 634,000 | 634,000 | 643,000 |
| Securities available for sale | 7,861,000 | 8,036,000 | 8,943,000 | 8,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,079,000 | 58,281,000 | 50,229,000 | 65,207,000 |
| Interest-bearing deposits | 44,944,000 | 54,501,000 | 45,299,000 | 60,615,000 |
| Noninterest-bearing deposits | 4,135,000 | 3,780,000 | 4,930,000 | 4,592,000 |
| Equity capital | 6,360,000 | 6,648,000 | 6,195,000 | 6,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,181,000 | 2,359,000 | 3,541,000 | 4,691,000 |
| Interest expense | 427,000 | 846,000 | 1,257,000 | 1,654,000 |
| Net interest income | 754,000 | 1,513,000 | 2,284,000 | 3,037,000 |
| Noninterest income | 122,000 | 213,000 | 331,000 | 487,000 |
| Noninterest expense | 534,000 | 1,084,000 | 1,636,000 | 2,256,000 |
| Provision for loan losses | 12,000 | 33,000 | 56,000 | 78,000 |
| Pretax income | 330,000 | 609,000 | 923,000 | 1,190,000 |
| Income tax | 110,000 | 203,000 | 308,000 | 302,000 |
| Net income | 220,000 | 406,000 | 615,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,111,000 | 6,310,000 | 5,780,000 | 6,064,000 |
| Total capital | 6,621,000 | 6,849,000 | 6,286,000 | 6,621,000 |
| Risk-weighted assets | 41,007,000 | 42,683,000 | 40,596,000 | 44,434,000 |