Call reports 2004
BANK OF LINCOLN COUNTY — 2004
What BANK OF LINCOLN COUNTY 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 | 75,864,000 | 78,133,000 | 86,834,000 | 89,847,000 |
| Total loans | 49,836,000 | 54,385,000 | 61,332,000 | 64,504,000 |
| Allowance for loan losses | 728,000 | 764,000 | 843,000 | 956,000 |
| Securities available for sale | 15,845,000 | 17,199,000 | 19,706,000 | 19,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,755,000 | 68,252,000 | 76,485,000 | 79,091,000 |
| Interest-bearing deposits | 59,057,000 | 61,215,000 | 67,248,000 | 70,883,000 |
| Noninterest-bearing deposits | 6,698,000 | 7,037,000 | 9,237,000 | 8,208,000 |
| Equity capital | 9,692,000 | 9,458,000 | 9,921,000 | 10,272,000 |
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 | 1,128,000 | 2,342,000 | 3,684,000 | 5,092,000 |
| Interest expense | 341,000 | 699,000 | 1,100,000 | 1,551,000 |
| Net interest income | 787,000 | 1,643,000 | 2,584,000 | 3,541,000 |
| Noninterest income | 85,000 | 158,000 | 251,000 | 338,000 |
| Noninterest expense | 525,000 | 1,105,000 | 1,768,000 | 2,461,000 |
| Provision for loan losses | 48,000 | 101,000 | 213,000 | 323,000 |
| Pretax income | 299,000 | 593,000 | 851,000 | 1,092,000 |
| Income tax | 108,000 | 217,000 | 312,000 | 170,000 |
| Net income | 191,000 | 376,000 | 539,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,589,000 | 9,773,000 | 9,937,000 | 10,320,000 |
| Total capital | 10,250,000 | 10,478,000 | 10,728,000 | 11,137,000 |
| Risk-weighted assets | 52,802,000 | 56,325,000 | 63,244,000 | 65,254,000 |