Call reports 2015
LINCOLN SAVINGS BANK — 2015
What LINCOLN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 822,037,000 | 830,222,000 | 836,956,000 | 862,680,000 |
| Total loans | 618,796,000 | 638,931,000 | 644,951,000 | 675,018,000 |
| Allowance for loan losses | 6,806,000 | 6,733,000 | 7,126,000 | 7,492,000 |
| Securities available for sale | 127,140,000 | 119,172,000 | 118,218,000 | 114,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,232,000 | 629,365,000 | 633,061,000 | 671,331,000 |
| Interest-bearing deposits | 532,246,000 | 532,160,000 | 538,540,000 | 563,739,000 |
| Noninterest-bearing deposits | 98,986,000 | 97,205,000 | 94,521,000 | 107,592,000 |
| Equity capital | 90,459,000 | 92,866,000 | 95,207,000 | 96,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,270,000 | 16,743,000 | 25,422,000 | 34,339,000 |
| Interest expense | 922,000 | 1,914,000 | 3,012,000 | 4,187,000 |
| Net interest income | 7,348,000 | 14,829,000 | 22,410,000 | 30,152,000 |
| Noninterest income | 3,143,000 | 7,301,000 | 11,618,000 | 14,732,000 |
| Noninterest expense | 7,943,000 | 16,729,000 | 25,444,000 | 32,797,000 |
| Provision for loan losses | 611,000 | 1,081,000 | 1,552,000 | 2,100,000 |
| Pretax income | 1,937,000 | 4,320,000 | 7,032,000 | 9,987,000 |
| Income tax | 581,000 | 1,326,000 | 2,194,000 | 3,125,000 |
| Net income | 1,356,000 | 2,994,000 | 4,838,000 | 6,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,458,000 | 77,106,000 | 78,969,000 | 80,458,000 |
| Total capital | 80,264,000 | 83,839,000 | 86,095,000 | 87,950,000 |
| Risk-weighted assets | 749,681,000 | 765,743,000 | 753,511,000 | 766,893,000 |
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