Call reports 2004
LINCOLN COMMUNITY BANK — 2004
What LINCOLN COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,989,000 | 62,967,000 | 62,844,000 | 63,922,000 |
| Total loans | 47,773,000 | 48,912,000 | 50,186,000 | 50,500,000 |
| Allowance for loan losses | 708,000 | 711,000 | 712,000 | 685,000 |
| Securities available for sale | 6,603,000 | 8,836,000 | 8,246,000 | 7,248,000 |
| Securities held to maturity | 166,000 | 166,000 | 116,000 | 116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,827,000 | 57,710,000 | 56,352,000 | 58,434,000 |
| Interest-bearing deposits | 46,793,000 | 45,962,000 | 44,342,000 | 44,448,000 |
| Noninterest-bearing deposits | 11,034,000 | 11,748,000 | 12,010,000 | 13,986,000 |
| Equity capital | 4,918,000 | 4,937,000 | 5,060,000 | 5,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,691,000 | 2,560,000 | 3,462,000 |
| Interest expense | 182,000 | 350,000 | 511,000 | 668,000 |
| Net interest income | 667,000 | 1,341,000 | 2,049,000 | 2,794,000 |
| Noninterest income | 72,000 | 126,000 | 178,000 | 249,000 |
| Noninterest expense | 452,000 | 872,000 | 1,296,000 | 1,705,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 287,000 | 595,000 | 931,000 | 1,338,000 |
| Income tax | 56,000 | 207,000 | 340,000 | 517,000 |
| Net income | 231,000 | 388,000 | 591,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,907,000 | 4,964,000 | 5,067,000 | 5,197,000 |
| Total capital | 5,467,000 | 5,534,000 | 5,648,000 | 5,783,000 |
| Risk-weighted assets | 44,632,000 | 45,509,000 | 46,367,000 | 46,834,000 |