Call reports 2025
LNB COMMUNITY BANK — 2025
What LNB COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 158,469,000 | 179,758,000 | 165,173,000 | 187,361,000 |
| Total loans | 127,391,000 | 131,671,000 | 137,882,000 | 140,842,000 |
| Allowance for loan losses | 1,586,000 | 1,627,000 | 1,624,000 | 1,623,000 |
| Securities available for sale | 15,735,000 | 15,186,000 | 16,877,000 | 15,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,481,000 | 160,449,000 | 144,384,000 | 169,367,000 |
| Interest-bearing deposits | 119,775,000 | 141,683,000 | 125,156,000 | 150,801,000 |
| Noninterest-bearing deposits | 19,706,000 | 18,766,000 | 19,228,000 | 18,566,000 |
| Equity capital | 15,406,000 | 15,769,000 | 16,162,000 | 16,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,061,000 | 4,239,000 | 6,581,000 | 8,978,000 |
| Interest expense | 619,000 | 1,298,000 | 2,035,000 | 2,782,000 |
| Net interest income | 1,442,000 | 2,941,000 | 4,546,000 | 6,196,000 |
| Noninterest income | 346,000 | 757,000 | 1,144,000 | 1,580,000 |
| Noninterest expense | 1,443,000 | 2,777,000 | 4,219,000 | 5,662,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 345,000 | 881,000 | 1,431,000 | 2,074,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 345,000 | 881,000 | 1,431,000 | 2,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,853,000 | 16,120,000 | 16,377,000 | 16,646,000 |
| Total capital | 17,181,000 | 17,352,000 | 17,639,000 | 17,942,000 |
| Risk-weighted assets | 105,900,000 | 98,108,000 | 100,526,000 | 103,279,000 |