Call reports 2009
LINCOLN SAVINGS BANK — 2009
What LINCOLN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 531,507,000 | 534,285,000 | 533,240,000 | 544,870,000 |
| Total loans | 353,613,000 | 351,780,000 | 348,133,000 | 358,429,000 |
| Allowance for loan losses | 3,079,000 | 3,011,000 | 3,085,000 | 3,755,000 |
| Securities available for sale | 112,129,000 | 127,366,000 | 123,904,000 | 127,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,190,000 | 398,649,000 | 401,315,000 | 409,819,000 |
| Interest-bearing deposits | 357,235,000 | 342,376,000 | 344,872,000 | 343,336,000 |
| Noninterest-bearing deposits | 55,955,000 | 56,273,000 | 56,443,000 | 66,483,000 |
| Equity capital | 54,777,000 | 55,573,000 | 58,412,000 | 57,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,722,000 | 13,719,000 | 20,678,000 | 26,955,000 |
| Interest expense | 2,402,000 | 4,683,000 | 6,773,000 | 8,746,000 |
| Net interest income | 4,320,000 | 9,036,000 | 13,905,000 | 18,209,000 |
| Noninterest income | 1,310,000 | 2,676,000 | 4,223,000 | 6,157,000 |
| Noninterest expense | 4,237,000 | 8,655,000 | 12,904,000 | 17,187,000 |
| Provision for loan losses | 489,000 | 759,000 | 1,153,000 | 1,862,000 |
| Pretax income | 909,000 | 2,224,000 | 3,998,000 | 5,031,000 |
| Income tax | 174,000 | 509,000 | 1,036,000 | 1,142,000 |
| Net income | 735,000 | 1,715,000 | 2,962,000 | 3,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,752,000 | 37,520,000 | 38,766,000 | 38,667,000 |
| Total capital | 38,831,000 | 40,531,000 | 41,851,000 | 42,422,000 |
| Risk-weighted assets | 376,019,000 | 376,988,000 | 375,345,000 | 383,958,000 |