Call reports 2012
LINCOLNWAY COMMUNITY BANK — 2012
What LINCOLNWAY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 126,558,000 | 127,772,000 | 128,795,000 | 129,573,000 |
| Total loans | 84,705,000 | 84,803,000 | 89,642,000 | 86,483,000 |
| Allowance for loan losses | 1,970,000 | 2,000,000 | 1,916,000 | 1,656,000 |
| Securities available for sale | 6,339,000 | 5,819,000 | 4,831,000 | 3,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,667,000 | 115,902,000 | 116,779,000 | 117,381,000 |
| Interest-bearing deposits | 102,935,000 | 103,158,000 | 103,676,000 | 104,219,000 |
| Noninterest-bearing deposits | 11,732,000 | 12,744,000 | 13,103,000 | 13,162,000 |
| Equity capital | 11,334,000 | 11,278,000 | 11,445,000 | 11,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,418,000 | 2,871,000 | 4,276,000 | 5,715,000 |
| Interest expense | 259,000 | 510,000 | 761,000 | 1,010,000 |
| Net interest income | 1,159,000 | 2,361,000 | 3,515,000 | 4,705,000 |
| Noninterest income | 189,000 | 381,000 | 592,000 | 806,000 |
| Noninterest expense | 1,262,000 | 2,549,000 | 3,501,000 | 4,508,000 |
| Provision for loan losses | 0 | 83,000 | 242,000 | 430,000 |
| Pretax income | 86,000 | 110,000 | 364,000 | 573,000 |
| Income tax | 0 | 67,000 | 103,000 | 49,000 |
| Net income | 86,000 | 43,000 | 261,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,228,000 | 11,183,000 | 11,401,000 | 11,673,000 |
| Total capital | 12,320,000 | 12,253,000 | 12,509,000 | 12,734,000 |
| Risk-weighted assets | 86,520,000 | 84,633,000 | 87,834,000 | 84,308,000 |
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