Call reports 2008
BANK OF LINCOLN COUNTY — 2008
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 169,275,000 | 171,103,000 | 175,378,000 | 174,999,000 |
| Total loans | 123,478,000 | 123,578,000 | 124,145,000 | 127,013,000 |
| Allowance for loan losses | 1,584,000 | 1,680,000 | 1,728,000 | 1,657,000 |
| Securities available for sale | 23,350,000 | 22,197,000 | 24,978,000 | 24,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,582,000 | 155,465,000 | 159,151,000 | 159,245,000 |
| Interest-bearing deposits | 117,961,000 | 140,648,000 | 143,615,000 | 144,872,000 |
| Noninterest-bearing deposits | 35,621,000 | 14,817,000 | 15,536,000 | 14,373,000 |
| Equity capital | 14,053,000 | 14,155,000 | 14,729,000 | 14,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,269,000 | 6,279,000 | 9,264,000 | 12,057,000 |
| Interest expense | 1,549,000 | 2,913,000 | 4,188,000 | 5,418,000 |
| Net interest income | 1,720,000 | 3,366,000 | 5,076,000 | 6,639,000 |
| Noninterest income | 63,000 | 278,000 | 444,000 | 619,000 |
| Noninterest expense | 1,161,000 | 2,229,000 | 3,392,000 | 4,452,000 |
| Provision for loan losses | 105,000 | 210,000 | 324,000 | 766,000 |
| Pretax income | 517,000 | 1,219,000 | 1,824,000 | 2,062,000 |
| Income tax | 209,000 | 503,000 | 734,000 | 689,000 |
| Net income | 308,000 | 716,000 | 1,090,000 | 1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,817,000 | 14,225,000 | 14,598,000 | 14,682,000 |
| Total capital | 15,401,000 | 15,848,000 | 16,236,000 | 16,339,000 |
| Risk-weighted assets | 128,874,000 | 129,011,000 | 130,172,000 | 133,623,000 |