Call reports 2006
LNB COMMUNITY BANK — 2006
What LNB COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 92,516,000 | 92,818,000 | 94,268,000 | 102,231,000 |
| Total loans | 69,847,000 | 72,457,000 | 76,198,000 | 76,783,000 |
| Allowance for loan losses | 887,000 | 915,000 | 957,000 | 966,000 |
| Securities available for sale | 10,532,000 | 11,196,000 | 11,931,000 | 11,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,712,000 | 76,767,000 | 76,395,000 | 85,346,000 |
| Interest-bearing deposits | 69,635,000 | 70,794,000 | 70,584,000 | 78,494,000 |
| Noninterest-bearing deposits | 6,077,000 | 5,973,000 | 5,811,000 | 6,852,000 |
| Equity capital | 7,755,000 | 7,610,000 | 7,893,000 | 8,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 3,016,000 | 4,593,000 | 6,223,000 |
| Interest expense | 590,000 | 1,233,000 | 1,921,000 | 2,635,000 |
| Net interest income | 889,000 | 1,783,000 | 2,672,000 | 3,588,000 |
| Noninterest income | 140,000 | 285,000 | 429,000 | 584,000 |
| Noninterest expense | 813,000 | 1,648,000 | 2,409,000 | 3,201,000 |
| Provision for loan losses | 0 | 25,000 | 65,000 | 90,000 |
| Pretax income | 216,000 | 395,000 | 627,000 | 881,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 216,000 | 395,000 | 627,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,961,000 | 7,899,000 | 8,020,000 | 8,274,000 |
| Total capital | 8,742,000 | 8,706,000 | 8,864,000 | 9,140,000 |
| Risk-weighted assets | 62,361,000 | 64,479,000 | 67,434,000 | 69,212,000 |