Call reports 2005
BANK OF LINCOLN COUNTY — 2005
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,349,000 | 100,052,000 | 106,164,000 | 113,644,000 |
| Total loans | 69,682,000 | 73,196,000 | 77,222,000 | 83,564,000 |
| Allowance for loan losses | 1,038,000 | 1,114,000 | 1,208,000 | 1,178,000 |
| Securities available for sale | 19,611,000 | 21,556,000 | 21,465,000 | 21,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,533,000 | 88,898,000 | 94,754,000 | 101,971,000 |
| Interest-bearing deposits | 76,175,000 | 77,060,000 | 82,470,000 | 89,817,000 |
| Noninterest-bearing deposits | 8,358,000 | 11,838,000 | 12,284,000 | 12,154,000 |
| Equity capital | 10,296,000 | 10,603,000 | 10,814,000 | 10,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 3,077,000 | 4,820,000 | 6,717,000 |
| Interest expense | 488,000 | 1,035,000 | 1,671,000 | 2,402,000 |
| Net interest income | 1,007,000 | 2,042,000 | 3,149,000 | 4,315,000 |
| Noninterest income | 91,000 | 185,000 | 312,000 | 438,000 |
| Noninterest expense | 688,000 | 1,380,000 | 2,113,000 | 2,877,000 |
| Provision for loan losses | 82,000 | 168,000 | 262,000 | 351,000 |
| Pretax income | 328,000 | 679,000 | 1,069,000 | 1,488,000 |
| Income tax | 124,000 | 255,000 | 411,000 | 495,000 |
| Net income | 204,000 | 424,000 | 658,000 | 993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,524,000 | 10,743,000 | 10,978,000 | 11,313,000 |
| Total capital | 11,401,000 | 11,655,000 | 11,956,000 | 12,379,000 |
| Risk-weighted assets | 69,982,000 | 72,823,000 | 78,043,000 | 85,151,000 |