Call reports 2004
LNB COMMUNITY BANK — 2004
What LNB COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 76,878,000 | 97,638,000 | 82,063,000 | 89,406,000 |
| Total loans | 60,789,000 | 62,912,000 | 65,733,000 | 67,337,000 |
| Allowance for loan losses | 752,000 | 785,000 | 801,000 | 839,000 |
| Securities available for sale | 5,922,000 | 7,005,000 | 7,109,000 | 7,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,054,000 | 82,291,000 | 65,603,000 | 73,266,000 |
| Interest-bearing deposits | 56,280,000 | 76,550,000 | 60,238,000 | 67,904,000 |
| Noninterest-bearing deposits | 4,774,000 | 5,741,000 | 5,365,000 | 5,362,000 |
| Equity capital | 7,150,000 | 6,943,000 | 7,111,000 | 7,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,168,000 | 2,359,000 | 3,600,000 | 4,871,000 |
| Interest expense | 359,000 | 719,000 | 1,162,000 | 1,617,000 |
| Net interest income | 809,000 | 1,640,000 | 2,438,000 | 3,254,000 |
| Noninterest income | 98,000 | 231,000 | 363,000 | 502,000 |
| Noninterest expense | 598,000 | 1,221,000 | 1,968,000 | 2,696,000 |
| Provision for loan losses | 30,000 | 45,000 | 65,000 | 100,000 |
| Pretax income | 279,000 | 605,000 | 768,000 | 960,000 |
| Income tax | 0 | 0 | 0 | 22,000 |
| Net income | 279,000 | 605,000 | 768,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,031,000 | 7,005,000 | 7,078,000 | 7,258,000 |
| Total capital | 7,665,000 | 7,720,000 | 7,772,000 | 7,984,000 |
| Risk-weighted assets | 50,594,000 | 57,158,000 | 55,376,000 | 57,964,000 |