Call reports 2008
LNB COMMUNITY BANK — 2008
What LNB COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 104,758,000 | 103,468,000 | 105,410,000 | 113,656,000 |
| Total loans | 77,669,000 | 79,637,000 | 83,118,000 | 82,203,000 |
| Allowance for loan losses | 983,000 | 1,016,000 | 1,094,000 | 1,161,000 |
| Securities available for sale | 13,983,000 | 12,449,000 | 11,970,000 | 11,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,277,000 | 85,094,000 | 83,329,000 | 91,278,000 |
| Interest-bearing deposits | 79,701,000 | 78,683,000 | 76,606,000 | 83,668,000 |
| Noninterest-bearing deposits | 6,576,000 | 6,411,000 | 6,723,000 | 7,610,000 |
| Equity capital | 9,361,000 | 9,037,000 | 9,164,000 | 9,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,368,000 | 5,050,000 | 6,708,000 |
| Interest expense | 719,000 | 1,346,000 | 1,946,000 | 2,508,000 |
| Net interest income | 965,000 | 2,022,000 | 3,104,000 | 4,200,000 |
| Noninterest income | 135,000 | 272,000 | 380,000 | 527,000 |
| Noninterest expense | 770,000 | 1,629,000 | 2,457,000 | 3,356,000 |
| Provision for loan losses | 10,000 | 52,000 | 152,000 | 242,000 |
| Pretax income | 320,000 | 613,000 | 875,000 | 1,129,000 |
| Income tax | -18,000 | -18,000 | -18,000 | -18,000 |
| Net income | 338,000 | 631,000 | 893,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,960,000 | 8,936,000 | 9,046,000 | 9,300,000 |
| Total capital | 9,825,000 | 9,816,000 | 9,939,000 | 10,199,000 |
| Risk-weighted assets | 68,973,000 | 70,295,000 | 71,204,000 | 71,642,000 |