Call reports 2007
BANK OF LINCOLN COUNTY — 2007
What BANK OF LINCOLN COUNTY 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 | 146,790,000 | 158,390,000 | 163,015,000 | 166,372,000 |
| Total loans | 106,209,000 | 113,027,000 | 114,140,000 | 121,742,000 |
| Allowance for loan losses | 1,100,000 | 1,203,000 | 1,293,000 | 1,482,000 |
| Securities available for sale | 22,422,000 | 22,458,000 | 24,862,000 | 23,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,986,000 | 144,481,000 | 148,220,000 | 151,243,000 |
| Interest-bearing deposits | 117,280,000 | 130,320,000 | 132,068,000 | 119,131,000 |
| Noninterest-bearing deposits | 15,706,000 | 14,161,000 | 16,152,000 | 32,112,000 |
| Equity capital | 12,531,000 | 12,542,000 | 13,280,000 | 13,592,000 |
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 | 2,703,000 | 5,733,000 | 8,978,000 | 12,252,000 |
| Interest expense | 1,279,000 | 2,728,000 | 4,348,000 | 5,956,000 |
| Net interest income | 1,424,000 | 3,005,000 | 4,630,000 | 6,296,000 |
| Noninterest income | 144,000 | 293,000 | 446,000 | 798,000 |
| Noninterest expense | 1,040,000 | 2,012,000 | 3,076,000 | 4,233,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 675,000 |
| Pretax income | 423,000 | 873,000 | 1,483,000 | 1,983,000 |
| Income tax | 177,000 | 417,000 | 595,000 | 718,000 |
| Net income | 246,000 | 456,000 | 888,000 | 1,265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,690,000 | 12,900,000 | 13,332,000 | 13,509,000 |
| Total capital | 13,790,000 | 14,103,000 | 14,625,000 | 14,991,000 |
| Risk-weighted assets | 110,482,000 | 119,066,000 | 120,854,000 | 126,736,000 |