8-K

UNITED STATESSECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549


FORM 8-K


CURRENT REPORT
Pursuant to Section 13 OR 15(d) ofthe Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)  February 12, 2013

LNB BANCORP, INC.

(Exact name of registrant as specified in its charter)

Ohio	0-13203	34-1406303
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

457 Broadway, Lorain, Ohio	44052-1769
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (440) 244-6000

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

⃞ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
⃞ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
⃞ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
⃞ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01.    Regulation FD Disclosure.

The attached letter and accompanying newsletter were mailed on February 12, 2013 to all shareholders of record of LNB Bancorp, Inc. (the “Company”) on February 11, 2013. Copies of the letter and the newsletter are furnished as Exhibit 99.1 and as Exhibit 99.2, respectively, to this Current Report on Form 8-K and are incorporated by reference into this Item 7.01. The information in this Form 8-K and the exhibits attached hereto shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference.

Item 9.01.    Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.	Description
99.1	Letter to Shareholders.
99.2	LNB Newsletter.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		LNB BANCORP, INC.
		(Registrant)
Date:	February 12, 2013	By:	/s/ Gary J. Elek
			Gary J. Elek
			Chief Financial Officer

Exhibit Index

Exhibit No.	Description
99.1	Letter to Shareholders.
99.2	LNB Newsletter.

EX-99.1

Exhibit 99.1

LNB Bancorp, Inc. February 2013 I am pleased to report a strong fourth quarter and another year of improved operating performance. We continue to make progress in growing our earnings, improving credit quality and positioning the company for continued growth and success. We finished the year stronger and better positioned to serve our customers and communities in Northeast Ohio. Our local economy continues to be challenging, but is showing some positive trends with increased employment and stronger business confidence. Financial Performance Net income in the fourth quarter of 2012 was $1.64 million, up 10% from the fourth quarter of 2011. Net income for the year ending December 31, 2012, was $6.11 million, compared with net income of $5.0 million in 2011, an improvement of 22%. Loans grew by 4.7% during 2012 in a market where growth remains a challenge. We have continued our solid performance in business lending; recently, the Small Business Administration (SBA) recognized the company as the 4th highest SBA lender in the Cleveland metropolitan area in loan volume in 2012. Serving small businesses has been a core strength of LNB throughout our 108-year history. On the consumer side, residential mortgage loan production grew by 97% during 2012. The company opened new lending offices in Solon and Hudson, expanding our sales efforts beyond Lorain County. We expect mortgage revenue to continue to be strong in 2013 assuming that the housing market continues to improve. Offerings like our No-Cost Mortgage Loan, for purchase and refinancing, is attracting new customer households to LNB. We have also made steady progress reducing our problem loans. During 2012, we reduced non-performing loans by 19%, or $6.7 million. The company is focused on active capital management and is committed to maintaining strong capital levels. During the fourth quarter of 2012, we repurchased $6.3 million of our Series B Preferred Stock or approximately 25% of the outstanding preferred shares. We will continue to look for opportunities to strengthen our capital position in 2013.

Our Commitment We remain committed to serving our customers and the communities where they live and work. Our associates continue to demonstrate their commitment through the many volunteer opportunities that they lead and participate in. For 2012 they gave more than 2,000 hours back to the community including involvement in Second Harvest Food Bank, United Way, Catholic Charities and the Girls Scouts. You should be proud of your Community Bank’s focus on “helping our communities succeed.” Thank you for your continued support. Sincerely, Daniel E. Klimas President & Chief Executive Officer

EX-99.2

Exhibit 99.2

Serving our customers and communities for over 100 years LNB Community Newsletter LNB Receives SBA Lending Award INSIDECommunity Caring: LNB Associates Volunteer Throughout the Community Catholic Charities Family Center: LNB Associates Volunteer in Lorain County Morgan Bank Associates: Top Fundraisers Mary Lee Tucker Clothe-a-Child Program Pictured with the SBA lending award are LNB associates (left to right): George Nassif, vice president commercial banking, Adrian Pasquale, vice president commercial banking, and Kevin Ball, senior vice president commercial banking.www.4lnb.com Community Banks Support Local Businesses It gives us great pleasure to report that Lorain National Bank was recently recognized by the Small Business Administration as the 4th highest SBA lender in the Cleveland metropolitan area — generating over $15 million in small business loan originations in the past twelve months. This is the first time a community bank was ranked in the Top 5. “We are very excited to win this award, but we don’t want to stop here,” said Kevin Ball, senior vice president of commercial banking. “We look forward to moving up in the standings.” “This is quite an honor for a smaller, community-based bank,” said Daniel E. Klimas, LNB president and CEO. In Northern Ohio, banks loaned more than $430 million in small business loans in 2012. “It’s nice to see the trend going upward,” added Klimas.LNB is proud to be called a “community bank.” Our goal is to serve individuals and small to medium sized businesses with all of their banking and financial needs. Where large, national banks may be more prominent, community banks are important for several reasons:• We establish long-term relationships with customers, and offer personalized advice and one-on-one individual service Continued on page 3

LNB & CATHOLIC CHARITIES FAMILY CENTER Volunteers Doing Good  Several Lorain National Bank employees volunteer to serve hot lunches to the needy throughout Lorain County. One such location where you will see LNB associates weekly is the Catholic Charities Family Center located at 203 West 8th Street in Lorain. “Catholic Charities Family Center of Lorain is very pleased to have a partnership with Lorain National Bank. They have demonstrated a genuine commitment to working with us to meet the needs of Lorain’s most vulnerable citizens. It is so important that the businesses in Lorain reach out to help the underserved of their area. LNB has set an example in this community by doing things like helping us in the work that we do. They definitely walk the talk,” said David Boyce, program director for Catholic Charities Family Center of Lorain. Many faith groups, businesses, civic organizations and individual volunteers support what has truly become a multi-purpose Family Center serving the Lorain community in a variety of ways. Family Center programs include: • G.E.D. – in collaboration with Lorain Public Schools, they offer area residents a local site for pursing a G.E.D. certificate • Classes for self-improvement, including job/employment skills and anger management; encourage behavior change • Provide emergency services • Day shelter – for persons who are homeless or on the verge of homelessness, utilize the Family Center as a day shelter • Daily hot meal programs and access to the food pantry COMMUNITY CARING LNB Associates Volunteer Throughout the Community  In 2012, Lorain National Bank associates logged an amazing 2,000+ hours of volunteer time at several organizations throughout Northeast Ohio. Just some of the worthy charities where you will see LNB volunteers include: Second Harvest Food Bank, Catholic Charities – Lorain, United Way, Mary Lee Tucker Clothe-a-Child Program, Neighborhood Alliance, Resource Mothers, Salvation Army, Lorain County Public Schools, Community Foundation, Girl Scouts, Big Brothers/Big Sisters, Linden School, and participating in the American Cancer Walk, Alzheimer’s Walk, and the Leukemia and Lymphoma Society Walk. “We all should be very proud of LNB and our very generous associates. They continue to be deeply involved in support of our local communities and offer comfort and assistance to those less fortunate,” said Daniel E. Klimas, president & CEO.

LNB Receives SBA Lending Award Continued from front Mary Lee Tucker Clothe-a-Child Program  • We cater towards smaller, community based businesses to help them succeed within the community • We can offer speed and flexibility in lending “We at LNB are certainly proud of the SBA award, especially since this was the first time a community bank was among the top 5 in lending. We pride ourselves on relationships with customers and serving the business community. We’ll work harder than ever to keep up the high standards that have been set, and continue toward our goal of making the top tier of these lists year after year,” said Klimas.  MORGAN BANK ASSOCIATES Light the Night Walk Raised over $5,000 Associates at Morgan Bank, a division of Lorain National Bank, located in Hudson, OH, claimed the title of “top team” at the October 14th Leukemia and Lymphoma Society’s “Light the Night Walk” in Akron. They raised $5,261 to help patients live longer and better lives. As a corporate sponsor of the event, Morgan Bank has supported the Light The Night Walk with donations of more than $11,500 in the past two years. “The Leukemia and Lymphoma Society is near and dear to many of our hearts here at Morgan Bank and we are proud to partner with this wonderful organization,” said Nate Marshall, market vice president and team captain. “It was phenomenal to see how many of our employees, customers and business partners donated to our campaign.” The event has raised $60,000 to date for blood cancer research. “Support from local businesses, like Morgan Bank, is critical to helping LLS achieve our mission to cure blood cancers,” said Amy Pausche, the executive director of the Leukemia and Lymphoma Society Northern Ohio Chapter. Andrea Bucey-Tikkanen, Nate Marshall, Kris Barker, and James Konopka led the team effort. Way to go Morgan Bank!  Every year during Ohio’s winter months, The Morning Journal’s Mary Lee Tucker Clothe-a-Child program provides needy school-aged children with warm winter clothing. In support of this very worthy organization, 50 Lorain National Bank volunteers participate by taking a needy child shopping for warm clothing. The dollars donated to the program are used solely for purchasing clothing for needy children in our area. The Morning Journal picks up any administrative expenses for the Clothe-a-Child program. Said LNB president and CEO Daniel E. Klimas, “I know that my family and I found this to be a very personally rewarding experience. The Morning Journal has been involved in this program for over 50 years and LNB is happy to partner with the organization by providing shopping volunteers and financial support. It’s a wonderful experience for all involved.”

A NOT TO MISS OPPORTUNITY: LNB Offering No-Cost Home Loans Special offer for homeowners looking to refinance a current mortgage Daniel E. Klimas President and CEO How does a No-Cost Home Loan sound? Pretty great, right? We’re happy to announce that we are offering a No-Cost 30 and 15-year home loan when refinancing a current mortgage. No closing costs to pay, and a $395 application fee is refunded at closing time. This special offer applies to single-family homes (owner-occupied) on all loans up to $417,000. “If you think you missed the boat on great rates, think again. With historically low rates still available, this is a prime opportunity to refinance your home mortgage, and consider what the team at Lorain National Bank has to offer. No matter your financial situation, we’re here to help,” in a statement from Daniel E. Klimas, president and CEO. “I’m proud to say we offer extremely competitive rates, and our superior customer service team is dedicated to meeting the needs of our current customers,” added Klimas. “Determining eligibility for refinancing is quick and easy. Our dedicated team will assist you all the way through the process and give you a plan that will work for your situation. We’re ready to help you take advantage of today’s historically low interest rates,” Klimas noted. As a side note relating to the LNB dedicated team that Daniel Klimas talked about above, he also stated, “I’m happy to report that over the past year we have invested in high quality associates in order to achieve our growth objective. We have had a particular focus on the residential mortgage area. Steve Dennis has been hired to open our new lending office in Solon. He will also oversee LNB’s expansion into Lake and Geauga counties. James Konopka joined our Hudson office in 2012 and will oversee the Summit and Portage markets. James is doing a great job servicing customer needs,” said Klimas. Here are our Mortgage Lenders and the communities they serve:  Steve Dennis Cuyahoga County 440-247-5656 Pete DiDonato Lorain County 440-244-6000 James Konopka Summit & Portage Counties 330-655-1825 Jim McKee Medina County 440-724-0364 Doug Rogers Lorain County 440-930-5437 Chad Spencer Lake & Geauga Counties 440-813-4858 Amy Thompson Lorain County 440-934-8746  WE’RE GROWING!