Call reports 2006
BANK OF LINCOLN COUNTY — 2006
What BANK OF LINCOLN COUNTY 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 | 124,317,000 | 126,540,000 | 130,996,000 | 139,174,000 |
| Total loans | 90,864,000 | 94,516,000 | 95,450,000 | 98,554,000 |
| Allowance for loan losses | 1,275,000 | 1,350,000 | 1,427,000 | 1,007,000 |
| Securities available for sale | 20,788,000 | 20,793,000 | 21,310,000 | 21,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,134,000 | 113,786,000 | 117,448,000 | 125,100,000 |
| Interest-bearing deposits | 99,648,000 | 101,044,000 | 104,224,000 | 109,937,000 |
| Noninterest-bearing deposits | 12,486,000 | 12,742,000 | 13,224,000 | 15,163,000 |
| Equity capital | 11,180,000 | 11,397,000 | 11,878,000 | 12,233,000 |
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 | 2,063,000 | 4,372,000 | 6,821,000 | 9,403,000 |
| Interest expense | 814,000 | 1,776,000 | 2,808,000 | 4,005,000 |
| Net interest income | 1,249,000 | 2,596,000 | 4,013,000 | 5,398,000 |
| Noninterest income | 117,000 | 266,000 | 408,000 | 537,000 |
| Noninterest expense | 862,000 | 1,753,000 | 2,623,000 | 3,544,000 |
| Provision for loan losses | 104,000 | 185,000 | 275,000 | 399,000 |
| Pretax income | 400,000 | 910,000 | 1,509,000 | 1,978,000 |
| Income tax | 164,000 | 375,000 | 643,000 | 847,000 |
| Net income | 236,000 | 535,000 | 866,000 | 1,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,549,000 | 11,848,000 | 12,179,000 | 12,444,000 |
| Total capital | 12,711,000 | 13,057,000 | 13,406,000 | 13,451,000 |
| Risk-weighted assets | 92,851,000 | 96,583,000 | 97,990,000 | 103,192,000 |