Call reports 2009
LNB COMMUNITY BANK — 2009
What LNB COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 102,509,000 | 100,792,000 | 98,332,000 | 97,746,000 |
| Total loans | 77,690,000 | 75,705,000 | 74,869,000 | 75,580,000 |
| Allowance for loan losses | 1,324,000 | 1,352,000 | 1,355,000 | 1,354,000 |
| Securities available for sale | 11,070,000 | 12,651,000 | 12,512,000 | 11,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,065,000 | 80,161,000 | 79,063,000 | 78,539,000 |
| Interest-bearing deposits | 74,300,000 | 73,570,000 | 73,287,000 | 71,824,000 |
| Noninterest-bearing deposits | 6,765,000 | 6,591,000 | 5,776,000 | 6,715,000 |
| Equity capital | 9,629,000 | 9,617,000 | 9,799,000 | 9,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,582,000 | 3,095,000 | 4,546,000 | 6,007,000 |
| Interest expense | 495,000 | 978,000 | 1,443,000 | 1,889,000 |
| Net interest income | 1,087,000 | 2,117,000 | 3,103,000 | 4,118,000 |
| Noninterest income | 188,000 | 427,000 | 584,000 | 745,000 |
| Noninterest expense | 886,000 | 1,871,000 | 2,746,000 | 3,734,000 |
| Provision for loan losses | 200,000 | 236,000 | 236,000 | 301,000 |
| Pretax income | 189,000 | 437,000 | 705,000 | 828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 189,000 | 437,000 | 705,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,337,000 | 9,375,000 | 9,513,000 | 9,548,000 |
| Total capital | 10,158,000 | 10,189,000 | 10,323,000 | 10,366,000 |
| Risk-weighted assets | 65,207,000 | 64,612,000 | 64,228,000 | 64,893,000 |