Call reports 2007
LINCOLN COMMUNITY BANK — 2007
What LINCOLN COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,367,000 | 67,714,000 | 68,418,000 | 69,874,000 |
| Total loans | 48,261,000 | 48,432,000 | 48,636,000 | 50,117,000 |
| Allowance for loan losses | 688,000 | 689,000 | 689,000 | 647,000 |
| Securities available for sale | 7,237,000 | 7,137,000 | 8,218,000 | 8,152,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,584,000 | 60,800,000 | 61,303,000 | 62,773,000 |
| Interest-bearing deposits | 48,083,000 | 50,138,000 | 49,808,000 | 51,805,000 |
| Noninterest-bearing deposits | 11,501,000 | 10,662,000 | 11,495,000 | 10,968,000 |
| Equity capital | 5,383,000 | 5,533,000 | 5,723,000 | 5,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,118,000 | 2,278,000 | 3,459,000 | 4,594,000 |
| Interest expense | 434,000 | 905,000 | 1,397,000 | 1,868,000 |
| Net interest income | 684,000 | 1,373,000 | 2,062,000 | 2,726,000 |
| Noninterest income | 50,000 | 92,000 | 164,000 | 237,000 |
| Noninterest expense | 399,000 | 820,000 | 1,289,000 | 1,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 335,000 | 645,000 | 937,000 | 1,036,000 |
| Income tax | 122,000 | 212,000 | 321,000 | 381,000 |
| Net income | 213,000 | 433,000 | 616,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,381,000 | 5,550,000 | 5,709,000 | 5,698,000 |
| Total capital | 5,970,000 | 6,132,000 | 6,319,000 | 6,334,000 |
| Risk-weighted assets | 46,995,000 | 46,480,000 | 48,726,000 | 50,898,000 |