Call reports 2003
LNB COMMUNITY BANK — 2003
What LNB COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 64,116,000 | 68,903,000 | 68,790,000 | 74,497,000 |
| Total loans | 48,819,000 | 51,214,000 | 54,478,000 | 57,754,000 |
| Allowance for loan losses | 644,000 | 646,000 | 687,000 | 725,000 |
| Securities available for sale | 8,989,000 | 8,066,000 | 8,216,000 | 7,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,651,000 | 53,318,000 | 52,413,000 | 58,643,000 |
| Interest-bearing deposits | 45,031,000 | 47,012,000 | 47,481,000 | 53,507,000 |
| Noninterest-bearing deposits | 4,620,000 | 6,306,000 | 4,932,000 | 5,136,000 |
| Equity capital | 6,713,000 | 6,959,000 | 6,862,000 | 7,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,105,000 | 2,199,000 | 3,334,000 | 4,469,000 |
| Interest expense | 365,000 | 715,000 | 1,062,000 | 1,406,000 |
| Net interest income | 740,000 | 1,484,000 | 2,272,000 | 3,063,000 |
| Noninterest income | 104,000 | 265,000 | 432,000 | 569,000 |
| Noninterest expense | 540,000 | 1,123,000 | 1,731,000 | 2,333,000 |
| Provision for loan losses | 0 | 0 | 48,000 | 118,000 |
| Pretax income | 304,000 | 626,000 | 1,093,000 | 1,349,000 |
| Income tax | 0 | 0 | 50,000 | 166,000 |
| Net income | 304,000 | 626,000 | 1,043,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,379,000 | 6,560,000 | 6,793,000 | 6,945,000 |
| Total capital | 6,889,000 | 7,098,000 | 7,364,000 | 7,548,000 |
| Risk-weighted assets | 40,633,000 | 42,914,000 | 45,534,000 | 48,132,000 |