Call reports 2013
LINCOLNWAY COMMUNITY BANK — 2013
What LINCOLNWAY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 130,184,000 | 126,763,000 | 128,806,000 | 137,494,000 |
| Total loans | 84,612,000 | 92,112,000 | 96,048,000 | 102,889,000 |
| Allowance for loan losses | 1,742,000 | 1,930,000 | 1,899,000 | 1,800,000 |
| Securities available for sale | 4,844,000 | 4,798,000 | 4,218,000 | 3,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,525,000 | 113,867,000 | 115,621,000 | 122,274,000 |
| Interest-bearing deposits | 102,992,000 | 99,684,000 | 98,983,000 | 107,289,000 |
| Noninterest-bearing deposits | 14,533,000 | 14,183,000 | 16,638,000 | 14,985,000 |
| Equity capital | 12,125,000 | 12,292,000 | 12,667,000 | 14,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,348,000 | 2,714,000 | 4,224,000 | 5,860,000 |
| Interest expense | 230,000 | 426,000 | 607,000 | 798,000 |
| Net interest income | 1,118,000 | 2,288,000 | 3,617,000 | 5,062,000 |
| Noninterest income | 298,000 | 558,000 | 756,000 | 974,000 |
| Noninterest expense | 886,000 | 1,874,000 | 2,916,000 | 4,257,000 |
| Provision for loan losses | 85,000 | 297,000 | 297,000 | 297,000 |
| Pretax income | 445,000 | 675,000 | 1,160,000 | 1,482,000 |
| Income tax | 42,000 | 71,000 | 121,000 | -1,361,000 |
| Net income | 403,000 | 604,000 | 1,039,000 | 2,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,076,000 | 12,279,000 | 12,712,000 | 13,602,000 |
| Total capital | 13,116,000 | 13,448,000 | 13,915,000 | 14,887,000 |
| Risk-weighted assets | 82,506,000 | 92,736,000 | 95,558,000 | 102,256,000 |
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