Call reports 2007
LINCOLN SAVINGS BANK — 2007
What LINCOLN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 402,975,000 | 410,068,000 | 416,541,000 | 429,858,000 |
| Total loans | 290,505,000 | 298,976,000 | 298,563,000 | 313,099,000 |
| Allowance for loan losses | 3,087,000 | 3,136,000 | 3,032,000 | 2,929,000 |
| Securities available for sale | 67,302,000 | 63,069,000 | 69,510,000 | 67,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,997,000 | 330,969,000 | 324,656,000 | 337,301,000 |
| Interest-bearing deposits | 281,056,000 | 282,592,000 | 278,202,000 | 286,419,000 |
| Noninterest-bearing deposits | 42,941,000 | 48,377,000 | 46,454,000 | 50,882,000 |
| Equity capital | 42,825,000 | 42,627,000 | 44,191,000 | 43,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,181,000 | 12,634,000 | 19,114,000 | 25,665,000 |
| Interest expense | 2,728,000 | 5,583,000 | 8,528,000 | 11,518,000 |
| Net interest income | 3,453,000 | 7,051,000 | 10,586,000 | 14,147,000 |
| Noninterest income | 1,037,000 | 2,095,000 | 3,236,000 | 4,383,000 |
| Noninterest expense | 3,618,000 | 7,129,000 | 10,398,000 | 13,574,000 |
| Provision for loan losses | 99,000 | 199,000 | 298,000 | 397,000 |
| Pretax income | 773,000 | 1,818,000 | 3,126,000 | 4,559,000 |
| Income tax | 176,000 | 447,000 | 790,000 | 1,274,000 |
| Net income | 597,000 | 1,371,000 | 2,336,000 | 3,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,588,000 | 30,960,000 | 31,904,000 | 31,422,000 |
| Total capital | 33,675,000 | 34,096,000 | 34,937,000 | 34,351,000 |
| Risk-weighted assets | 318,562,000 | 326,600,000 | 323,060,000 | 325,347,000 |