Call reports 2006
LINCOLN SAVINGS BANK — 2006
What LINCOLN SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 372,604,000 | 387,180,000 | 398,849,000 | 404,818,000 |
| Total loans | 264,145,000 | 270,485,000 | 283,352,000 | 282,354,000 |
| Allowance for loan losses | 3,298,000 | 3,356,000 | 3,211,000 | 3,279,000 |
| Securities available for sale | 59,266,000 | 59,804,000 | 63,396,000 | 67,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,418,000 | 295,239,000 | 305,512,000 | 325,219,000 |
| Interest-bearing deposits | 242,798,000 | 255,056,000 | 267,179,000 | 275,136,000 |
| Noninterest-bearing deposits | 42,620,000 | 40,183,000 | 38,333,000 | 50,083,000 |
| Equity capital | 41,472,000 | 40,849,000 | 42,568,000 | 42,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,515,000 | 11,188,000 | 17,387,000 | 23,604,000 |
| Interest expense | 1,839,000 | 3,882,000 | 6,480,000 | 9,221,000 |
| Net interest income | 3,676,000 | 7,306,000 | 10,907,000 | 14,383,000 |
| Noninterest income | 1,115,000 | 2,277,000 | 3,466,000 | 4,727,000 |
| Noninterest expense | 3,254,000 | 6,567,000 | 9,864,000 | 13,131,000 |
| Provision for loan losses | 433,000 | 502,000 | 515,000 | 614,000 |
| Pretax income | 1,438,000 | 2,856,000 | 4,336,000 | 5,707,000 |
| Income tax | 416,000 | 824,000 | 1,244,000 | 1,673,000 |
| Net income | 1,022,000 | 2,032,000 | 3,092,000 | 4,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,445,000 | 29,538,000 | 30,381,000 | 29,897,000 |
| Total capital | 32,743,000 | 32,894,000 | 33,592,000 | 33,176,000 |
| Risk-weighted assets | 293,419,000 | 302,214,000 | 307,576,000 | 306,638,000 |