Call reports 2015
LNB COMMUNITY BANK — 2015
What LNB COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,132,000 | 105,020,000 | 112,837,000 | 114,285,000 |
| Total loans | 75,181,000 | 74,074,000 | 74,565,000 | 74,958,000 |
| Allowance for loan losses | 1,182,000 | 1,130,000 | 1,135,000 | 1,132,000 |
| Securities available for sale | 11,949,000 | 12,976,000 | 13,210,000 | 15,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,560,000 | 89,436,000 | 97,283,000 | 98,914,000 |
| Interest-bearing deposits | 78,524,000 | 77,075,000 | 84,778,000 | 84,935,000 |
| Noninterest-bearing deposits | 14,036,000 | 12,361,000 | 12,505,000 | 13,979,000 |
| Equity capital | 11,118,000 | 11,151,000 | 11,067,000 | 10,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,026,000 | 2,042,000 | 3,051,000 | 4,062,000 |
| Interest expense | 106,000 | 208,000 | 305,000 | 399,000 |
| Net interest income | 920,000 | 1,834,000 | 2,746,000 | 3,663,000 |
| Noninterest income | 259,000 | 632,000 | 979,000 | 1,226,000 |
| Noninterest expense | 1,078,000 | 2,115,000 | 3,179,000 | 4,143,000 |
| Provision for loan losses | 0 | 0 | 220,000 | 220,000 |
| Pretax income | 101,000 | 351,000 | 326,000 | 526,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | 351,000 | 326,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,063,000 | 11,151,000 | 11,067,000 | 10,956,000 |
| Total capital | 11,436,000 | 12,287,000 | 11,858,000 | 11,773,000 |
| Risk-weighted assets | 29,062,000 | 28,101,000 | 62,908,000 | 65,050,000 |