Call reports 2002
LINCOLN SAVINGS BANK — 2002
What LINCOLN SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 311,720,000 | 312,915,000 | 315,244,000 | 312,087,000 |
| Total loans | 229,912,000 | 240,882,000 | 244,799,000 | 243,236,000 |
| Allowance for loan losses | 2,264,000 | 2,643,000 | 2,913,000 | 2,806,000 |
| Securities available for sale | 44,243,000 | 41,243,000 | 39,308,000 | 36,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,797,000 | 260,540,000 | 253,749,000 | 253,889,000 |
| Interest-bearing deposits | 232,493,000 | 227,608,000 | 225,909,000 | 218,945,000 |
| Noninterest-bearing deposits | 28,304,000 | 32,932,000 | 27,840,000 | 34,944,000 |
| Equity capital | 31,963,000 | 32,652,000 | 33,900,000 | 33,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,007,000 | 10,102,000 | 15,156,000 | 19,968,000 |
| Interest expense | 2,081,000 | 4,070,000 | 5,898,000 | 7,528,000 |
| Net interest income | 2,926,000 | 6,032,000 | 9,258,000 | 12,440,000 |
| Noninterest income | 552,000 | 1,156,000 | 1,745,000 | 2,575,000 |
| Noninterest expense | 2,310,000 | 4,600,000 | 6,779,000 | 9,370,000 |
| Provision for loan losses | 105,000 | 791,000 | 1,096,000 | 1,251,000 |
| Pretax income | 1,063,000 | 1,797,000 | 3,128,000 | 4,394,000 |
| Income tax | 295,000 | 490,000 | 848,000 | 1,208,000 |
| Net income | 768,000 | 1,307,000 | 2,280,000 | 3,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,552,000 | 22,994,000 | 23,975,000 | 23,888,000 |
| Total capital | 24,816,000 | 25,637,000 | 26,888,000 | 26,694,000 |
| Risk-weighted assets | 245,949,000 | 255,235,000 | 258,733,000 | 259,789,000 |