Call reports 2003
LINCOLN SAVINGS BANK — 2003
What LINCOLN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 314,571,000 | 322,508,000 | 325,985,000 | 333,860,000 |
| Total loans | 244,346,000 | 258,516,000 | 267,573,000 | 276,769,000 |
| Allowance for loan losses | 2,850,000 | 2,988,000 | 3,256,000 | 3,320,000 |
| Securities available for sale | 31,723,000 | 26,418,000 | 23,860,000 | 21,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,488,000 | 260,711,000 | 262,097,000 | 271,006,000 |
| Interest-bearing deposits | 225,681,000 | 229,633,000 | 225,887,000 | 232,224,000 |
| Noninterest-bearing deposits | 31,807,000 | 31,078,000 | 36,210,000 | 38,782,000 |
| Equity capital | 34,527,000 | 33,563,000 | 33,953,000 | 36,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,687,000 | 9,003,000 | 13,391,000 | 17,878,000 |
| Interest expense | 1,494,000 | 2,895,000 | 4,250,000 | 5,541,000 |
| Net interest income | 3,193,000 | 6,108,000 | 9,141,000 | 12,337,000 |
| Noninterest income | 735,000 | 1,698,000 | 2,561,000 | 3,605,000 |
| Noninterest expense | 2,697,000 | 5,461,000 | 8,072,000 | 10,234,000 |
| Provision for loan losses | 165,000 | 742,000 | 1,132,000 | 1,232,000 |
| Pretax income | 1,066,000 | 1,603,000 | 2,498,000 | 4,476,000 |
| Income tax | 263,000 | 441,000 | 675,000 | 1,220,000 |
| Net income | 803,000 | 1,162,000 | 1,823,000 | 3,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,700,000 | 23,983,000 | 24,654,000 | 27,095,000 |
| Total capital | 27,550,000 | 26,971,000 | 27,910,000 | 30,415,000 |
| Risk-weighted assets | 261,036,000 | 263,663,000 | 271,900,000 | 286,741,000 |