Call reports 2020
LINCOLNWAY COMMUNITY BANK — 2020
What LINCOLNWAY COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 253,839,000 | 271,862,000 | 257,306,000 | 252,346,000 |
| Total loans | 197,410,000 | 214,655,000 | 205,927,000 | 201,207,000 |
| Allowance for loan losses | 2,387,000 | 2,405,000 | 2,361,000 | 2,403,000 |
| Securities available for sale | 4,107,000 | 4,125,000 | 4,111,000 | 3,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,964,000 | 232,963,000 | 226,013,000 | 219,829,000 |
| Interest-bearing deposits | 175,787,000 | 175,860,000 | 168,460,000 | 164,968,000 |
| Noninterest-bearing deposits | 44,177,000 | 57,103,000 | 57,553,000 | 54,861,000 |
| Equity capital | 27,555,000 | 28,501,000 | 29,390,000 | 30,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,647,000 | 9,990,000 | 13,428,000 |
| Interest expense | 706,000 | 1,352,000 | 1,840,000 | 2,205,000 |
| Net interest income | 2,634,000 | 5,295,000 | 8,150,000 | 11,223,000 |
| Noninterest income | 252,000 | 600,000 | 1,006,000 | 1,413,000 |
| Noninterest expense | 1,726,000 | 3,456,000 | 5,490,000 | 7,732,000 |
| Provision for loan losses | 151,000 | 151,000 | 151,000 | 191,000 |
| Pretax income | 1,009,000 | 2,288,000 | 3,515,000 | 4,713,000 |
| Income tax | 277,000 | 636,000 | 978,000 | 1,308,000 |
| Net income | 732,000 | 1,652,000 | 2,537,000 | 3,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,445,000 | 28,378,000 | 29,276,000 | 29,957,000 |
| Total capital | 29,832,000 | 30,783,000 | 31,637,000 | 32,360,000 |
| Risk-weighted assets | 209,454,000 | 206,632,000 | 203,906,000 | 215,549,000 |