Call reports 2005
LINCOLN SAVINGS BANK — 2005
What LINCOLN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 366,631,000 | 362,293,000 | 355,728,000 | 373,778,000 |
| Total loans | 282,745,000 | 273,942,000 | 265,553,000 | 263,643,000 |
| Allowance for loan losses | 3,627,000 | 2,923,000 | 2,950,000 | 3,109,000 |
| Securities available for sale | 40,294,000 | 43,254,000 | 44,009,000 | 57,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,858,000 | 276,882,000 | 274,474,000 | 287,911,000 |
| Interest-bearing deposits | 239,275,000 | 237,235,000 | 233,610,000 | 240,404,000 |
| Noninterest-bearing deposits | 42,583,000 | 39,647,000 | 40,864,000 | 47,507,000 |
| Equity capital | 40,325,000 | 40,044,000 | 40,821,000 | 40,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,974,000 | 10,027,000 | 15,069,000 | 20,259,000 |
| Interest expense | 1,409,000 | 2,906,000 | 4,537,000 | 6,267,000 |
| Net interest income | 3,565,000 | 7,121,000 | 10,532,000 | 13,992,000 |
| Noninterest income | 1,177,000 | 2,341,000 | 3,361,000 | 4,419,000 |
| Noninterest expense | 3,431,000 | 6,746,000 | 9,807,000 | 12,874,000 |
| Provision for loan losses | 180,000 | 364,000 | 553,000 | 749,000 |
| Pretax income | 1,131,000 | 2,352,000 | 3,533,000 | 4,788,000 |
| Income tax | 367,000 | 736,000 | 1,107,000 | 1,455,000 |
| Net income | 764,000 | 1,616,000 | 2,426,000 | 3,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,214,000 | 27,966,000 | 28,826,000 | 28,634,000 |
| Total capital | 31,841,000 | 30,889,000 | 31,776,000 | 31,743,000 |
| Risk-weighted assets | 298,438,000 | 294,654,000 | 288,508,000 | 281,509,000 |