Call reports 2005
LNB COMMUNITY BANK — 2005
What LNB COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 83,053,000 | 88,871,000 | 87,686,000 | 97,506,000 |
| Total loans | 65,866,000 | 68,180,000 | 68,535,000 | 69,732,000 |
| Allowance for loan losses | 834,000 | 845,000 | 866,000 | 881,000 |
| Securities available for sale | 9,258,000 | 10,181,000 | 10,147,000 | 10,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,390,000 | 72,487,000 | 70,619,000 | 80,828,000 |
| Interest-bearing deposits | 62,309,000 | 66,588,000 | 63,822,000 | 73,256,000 |
| Noninterest-bearing deposits | 5,081,000 | 5,899,000 | 6,797,000 | 7,572,000 |
| Equity capital | 7,244,000 | 7,296,000 | 7,545,000 | 7,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,611,000 | 3,998,000 | 5,424,000 |
| Interest expense | 466,000 | 956,000 | 1,469,000 | 2,026,000 |
| Net interest income | 814,000 | 1,655,000 | 2,529,000 | 3,398,000 |
| Noninterest income | 113,000 | 240,000 | 379,000 | 503,000 |
| Noninterest expense | 696,000 | 1,449,000 | 2,157,000 | 2,928,000 |
| Provision for loan losses | 0 | 10,000 | 30,000 | 42,000 |
| Pretax income | 231,000 | 436,000 | 721,000 | 931,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | 231,000 | 436,000 | 721,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,376,000 | 7,359,000 | 7,654,000 | 7,846,000 |
| Total capital | 8,069,000 | 8,101,000 | 8,404,000 | 8,633,000 |
| Risk-weighted assets | 55,263,000 | 59,241,000 | 59,898,000 | 62,878,000 |