Call reports 2003
BANK OF LINCOLN COUNTY — 2003
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,362,000 | 58,774,000 | 66,545,000 | 71,111,000 |
| Total loans | 35,523,000 | 39,891,000 | 44,942,000 | 47,525,000 |
| Allowance for loan losses | 446,000 | 551,000 | 631,000 | 689,000 |
| Securities available for sale | 7,042,000 | 9,448,000 | 13,019,000 | 16,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,250,000 | 49,478,000 | 57,116,000 | 61,460,000 |
| Interest-bearing deposits | 32,738,000 | 44,354,000 | 51,906,000 | 54,162,000 |
| Noninterest-bearing deposits | 4,512,000 | 5,124,000 | 5,210,000 | 7,298,000 |
| Equity capital | 8,928,000 | 9,048,000 | 9,213,000 | 9,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,541,000 | 2,565,000 | 3,655,000 |
| Interest expense | 184,000 | 453,000 | 759,000 | 1,089,000 |
| Net interest income | 485,000 | 1,088,000 | 1,806,000 | 2,566,000 |
| Noninterest income | 44,000 | 105,000 | 163,000 | 241,000 |
| Noninterest expense | 430,000 | 909,000 | 1,372,000 | 1,895,000 |
| Provision for loan losses | 116,000 | 221,000 | 301,000 | 371,000 |
| Pretax income | -17,000 | 63,000 | 296,000 | 541,000 |
| Income tax | 0 | 0 | 27,000 | 110,000 |
| Net income | -17,000 | 63,000 | 269,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,899,000 | 8,980,000 | 9,235,000 | 9,398,000 |
| Total capital | 9,345,000 | 9,512,000 | 9,838,000 | 10,016,000 |
| Risk-weighted assets | 36,208,000 | 42,535,000 | 48,192,000 | 49,348,000 |