Call reports 2008
LINCOLN SAVINGS BANK — 2008
What LINCOLN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 449,728,000 | 445,326,000 | 439,245,000 | 494,987,000 |
| Total loans | 303,285,000 | 313,475,000 | 321,521,000 | 362,948,000 |
| Allowance for loan losses | 2,879,000 | 2,960,000 | 2,566,000 | 3,017,000 |
| Securities available for sale | 84,184,000 | 80,460,000 | 70,791,000 | 70,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,673,000 | 340,141,000 | 332,732,000 | 385,526,000 |
| Interest-bearing deposits | 290,798,000 | 283,521,000 | 277,554,000 | 324,132,000 |
| Noninterest-bearing deposits | 52,875,000 | 56,620,000 | 55,178,000 | 61,394,000 |
| Equity capital | 45,296,000 | 44,652,000 | 45,286,000 | 52,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,481,000 | 12,783,000 | 19,004,000 | 25,242,000 |
| Interest expense | 2,878,000 | 5,431,000 | 7,723,000 | 9,870,000 |
| Net interest income | 3,603,000 | 7,352,000 | 11,281,000 | 15,372,000 |
| Noninterest income | 1,442,000 | 2,849,000 | 4,340,000 | 5,789,000 |
| Noninterest expense | 3,509,000 | 7,147,000 | 10,830,000 | 15,033,000 |
| Provision for loan losses | 106,000 | 219,000 | 338,000 | 949,000 |
| Pretax income | 1,430,000 | 2,835,000 | 4,453,000 | 5,168,000 |
| Income tax | 397,000 | 772,000 | 1,272,000 | 1,429,000 |
| Net income | 1,033,000 | 2,063,000 | 3,181,000 | 3,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,280,000 | 32,122,000 | 33,221,000 | 34,207,000 |
| Total capital | 35,159,000 | 35,082,000 | 35,787,000 | 37,224,000 |
| Risk-weighted assets | 323,772,000 | 333,525,000 | 340,455,000 | 367,189,000 |