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LNB Bancorp, Inc. operates as the holding company for The Lorain National Bank, which provides banking, mortgage, and brokerage services for individuals and businesses. The company offers personal, mortgage, and commercial banking products, as well as investment management and trust services. It accepts transaction and time deposit accounts, savings deposits, interest bearing demand deposits, noninterest bearing deposits, certificates of deposit, and money market accounts. The company offers commercial loans, which include commercial real estate loans, construction and equipment loans, letters of credit, revolving lines of credit, small business administration and government guaranteed loans, and commercial loans with preferred interest rates; residential mortgage loans for the purchase of personal residences; and installment loans, including automobile and personal loans, indirect automobile loans, second mortgages, and home equity lines of credit. It also offers safe deposit boxes, night depository, the U.S. savings bonds, travelersÂ’ checks, money orders, cashiersÂ’ checks, automated teller machine (ATM), debit cards, wire transfer, electronic funds transfer, foreign drafts, foreign currency, electronic banking by phone or through the Internet, and lockbox services. As of December 31, 2008, the company operated 20 retail-banking locations and 28 ATMs in the communities of Lorain, Elyria, Amherst, Avon, Avon Lake, LaGrange, North Ridgeville, Oberlin, Olmsted Township, Vermilion, Westlake, and Hudson. The company was founded in 1905 and is headquartered in Lorain, Ohio.

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Key Statistics

Closing Price	6.06
Volume	3000
Volume Avg	6051
52 Week High	6.14
52 Week Low	3.56
PE	12.77
PE (group average)	27
EPS Year	0.47
EPS change Q/Q	-1000%
EPS change Q/Q Yr ago	-28.57%
EPS change Q/Q next Q est	-37.5%
EPS change Y/Y	1000%
REV change Q/Q	-2.53%
REV change Q/Q Yr ago	-3.14%
EPS next Q est	0.16
EPS next Y est	0.77
Divident Annual	0.04
Dividend Yield	0.66%