Call reports 2006
LINCOLN COMMUNITY BANK — 2006
What LINCOLN COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,894,000 | 62,600,000 | 63,524,000 | 70,072,000 |
| Total loans | 48,926,000 | 50,704,000 | 50,852,000 | 50,290,000 |
| Allowance for loan losses | 683,000 | 691,000 | 682,000 | 694,000 |
| Securities available for sale | 6,056,000 | 7,981,000 | 7,562,000 | 7,555,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,578,000 | 53,167,000 | 57,393,000 | 64,401,000 |
| Interest-bearing deposits | 41,696,000 | 41,991,000 | 44,830,000 | 52,276,000 |
| Noninterest-bearing deposits | 11,882,000 | 11,176,000 | 12,563,000 | 12,125,000 |
| Equity capital | 5,243,000 | 5,153,000 | 5,156,000 | 5,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 1,996,000 | 3,076,000 | 4,189,000 |
| Interest expense | 275,000 | 598,000 | 978,000 | 1,407,000 |
| Net interest income | 702,000 | 1,398,000 | 2,098,000 | 2,782,000 |
| Noninterest income | 43,000 | 89,000 | 135,000 | 177,000 |
| Noninterest expense | 420,000 | 856,000 | 1,266,000 | 1,665,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 30,000 |
| Pretax income | 325,000 | 631,000 | 957,000 | 1,264,000 |
| Income tax | 110,000 | 222,000 | 341,000 | 454,000 |
| Net income | 215,000 | 409,000 | 616,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,247,000 | 5,191,000 | 5,148,000 | 5,243,000 |
| Total capital | 5,796,000 | 5,758,000 | 5,719,000 | 5,828,000 |
| Risk-weighted assets | 43,764,000 | 45,273,000 | 45,532,000 | 46,668,000 |