Call reports 2004
LINCOLN SAVINGS BANK — 2004
What LINCOLN SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 347,169,000 | 342,959,000 | 362,746,000 | 373,741,000 |
| Total loans | 288,297,000 | 285,072,000 | 296,329,000 | 294,252,000 |
| Allowance for loan losses | 3,357,000 | 3,582,000 | 3,528,000 | 3,637,000 |
| Securities available for sale | 20,835,000 | 24,080,000 | 26,854,000 | 33,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,364,000 | 258,755,000 | 283,849,000 | 289,064,000 |
| Interest-bearing deposits | 241,630,000 | 221,571,000 | 242,419,000 | 243,320,000 |
| Noninterest-bearing deposits | 38,734,000 | 37,184,000 | 41,430,000 | 45,744,000 |
| Equity capital | 36,936,000 | 37,221,000 | 38,756,000 | 39,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,497,000 | 8,956,000 | 13,783,000 | 18,594,000 |
| Interest expense | 1,269,000 | 2,562,000 | 3,948,000 | 5,354,000 |
| Net interest income | 3,228,000 | 6,394,000 | 9,835,000 | 13,240,000 |
| Noninterest income | 975,000 | 1,980,000 | 3,141,000 | 4,139,000 |
| Noninterest expense | 2,960,000 | 6,075,000 | 9,381,000 | 12,396,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 1,020,000 |
| Pretax income | 988,000 | 1,789,000 | 2,830,000 | 3,613,000 |
| Income tax | 350,000 | 627,000 | 972,000 | 1,380,000 |
| Net income | 638,000 | 1,162,000 | 1,858,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,784,000 | 28,309,000 | 26,472,000 | 27,399,000 |
| Total capital | 31,141,000 | 31,891,000 | 30,000,000 | 31,036,000 |
| Risk-weighted assets | 300,295,000 | 297,261,000 | 310,708,000 | 312,586,000 |