Call reports 2016
LINCOLNWAY COMMUNITY BANK — 2016
What LINCOLNWAY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 180,241,000 | 181,138,000 | 187,316,000 | 193,080,000 |
| Total loans | 136,484,000 | 137,854,000 | 150,952,000 | 147,225,000 |
| Allowance for loan losses | 2,096,000 | 2,103,000 | 2,073,000 | 1,983,000 |
| Securities available for sale | 5,673,000 | 5,760,000 | 5,721,000 | 6,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,683,000 | 160,975,000 | 165,889,000 | 170,872,000 |
| Interest-bearing deposits | 133,771,000 | 131,417,000 | 135,802,000 | 132,235,000 |
| Noninterest-bearing deposits | 26,912,000 | 29,558,000 | 30,087,000 | 38,637,000 |
| Equity capital | 18,329,000 | 18,997,000 | 19,679,000 | 20,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,345,000 | 4,725,000 | 7,342,000 | 10,122,000 |
| Interest expense | 275,000 | 563,000 | 846,000 | 1,137,000 |
| Net interest income | 2,070,000 | 4,162,000 | 6,496,000 | 8,985,000 |
| Noninterest income | 238,000 | 589,000 | 916,000 | 1,256,000 |
| Noninterest expense | 1,463,000 | 2,919,000 | 4,434,000 | 6,335,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 845,000 | 1,832,000 | 2,978,000 | 3,906,000 |
| Income tax | 318,000 | 693,000 | 1,136,000 | 1,490,000 |
| Net income | 527,000 | 1,139,000 | 1,842,000 | 2,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,274,000 | 18,886,000 | 19,589,000 | 20,163,000 |
| Total capital | 20,109,000 | 20,748,000 | 21,564,000 | 22,095,000 |
| Risk-weighted assets | 146,567,000 | 148,731,000 | 157,895,000 | 154,489,000 |