Call reports 2007
LNB COMMUNITY BANK — 2007
What LNB COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 99,345,000 | 103,585,000 | 103,340,000 | 102,655,000 |
| Total loans | 75,205,000 | 76,415,000 | 77,563,000 | 77,207,000 |
| Allowance for loan losses | 968,000 | 961,000 | 983,000 | 981,000 |
| Securities available for sale | 11,919,000 | 14,242,000 | 15,415,000 | 15,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,288,000 | 86,786,000 | 86,048,000 | 86,531,000 |
| Interest-bearing deposits | 76,237,000 | 79,416,000 | 80,463,000 | 81,195,000 |
| Noninterest-bearing deposits | 6,051,000 | 7,370,000 | 5,585,000 | 5,336,000 |
| Equity capital | 8,331,000 | 8,217,000 | 8,516,000 | 8,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,628,000 | 3,340,000 | 5,075,000 | 6,841,000 |
| Interest expense | 742,000 | 1,547,000 | 2,374,000 | 3,206,000 |
| Net interest income | 886,000 | 1,793,000 | 2,701,000 | 3,635,000 |
| Noninterest income | 132,000 | 295,000 | 446,000 | 603,000 |
| Noninterest expense | 765,000 | 1,617,000 | 2,390,000 | 3,212,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 253,000 | 471,000 | 732,000 | 1,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 253,000 | 471,000 | 732,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,396,000 | 8,363,000 | 8,500,000 | 8,769,000 |
| Total capital | 9,233,000 | 9,215,000 | 9,366,000 | 9,628,000 |
| Risk-weighted assets | 84,901,000 | 91,282,000 | 69,193,000 | 68,594,000 |