Call reports 2015
LINCOLNWAY COMMUNITY BANK — 2015
What LINCOLNWAY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 172,520,000 | 169,037,000 | 168,268,000 | 169,152,000 |
| Total loans | 123,446,000 | 124,138,000 | 128,629,000 | 136,737,000 |
| Allowance for loan losses | 1,983,000 | 2,103,000 | 2,068,000 | 2,090,000 |
| Securities available for sale | 7,616,000 | 7,525,000 | 7,575,000 | 5,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,358,000 | 151,315,000 | 149,544,000 | 149,673,000 |
| Interest-bearing deposits | 132,888,000 | 127,481,000 | 123,460,000 | 124,922,000 |
| Noninterest-bearing deposits | 22,470,000 | 23,834,000 | 26,084,000 | 24,751,000 |
| Equity capital | 16,331,000 | 16,743,000 | 17,284,000 | 17,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,113,000 | 4,235,000 | 6,420,000 | 8,735,000 |
| Interest expense | 256,000 | 521,000 | 785,000 | 1,044,000 |
| Net interest income | 1,857,000 | 3,714,000 | 5,635,000 | 7,691,000 |
| Noninterest income | 262,000 | 635,000 | 981,000 | 1,204,000 |
| Noninterest expense | 1,512,000 | 2,971,000 | 4,483,000 | 6,007,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 607,000 | 1,378,000 | 2,133,000 | 2,887,000 |
| Income tax | 241,000 | 549,000 | 815,000 | 1,081,000 |
| Net income | 366,000 | 829,000 | 1,318,000 | 1,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,042,000 | 16,619,000 | 17,108,000 | 17,747,000 |
| Total capital | 17,707,000 | 18,296,000 | 18,861,000 | 19,584,000 |
| Risk-weighted assets | 132,940,000 | 133,743,000 | 139,962,000 | 146,714,000 |