Call reports 2009
BANK OF LINCOLN COUNTY — 2009
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 173,100,000 | 166,609,000 | 168,652,000 | 161,765,000 |
| Total loans | 126,927,000 | 122,583,000 | 119,689,000 | 114,000,000 |
| Allowance for loan losses | 1,606,000 | 1,873,000 | 1,222,000 | 1,567,000 |
| Securities available for sale | 23,392,000 | 22,222,000 | 22,456,000 | 20,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,801,000 | 150,436,000 | 151,776,000 | 147,449,000 |
| Interest-bearing deposits | 128,973,000 | 135,758,000 | 136,743,000 | 132,043,000 |
| Noninterest-bearing deposits | 27,828,000 | 14,678,000 | 15,033,000 | 15,406,000 |
| Equity capital | 15,159,000 | 15,001,000 | 15,579,000 | 13,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,813,000 | 5,509,000 | 7,967,000 | 10,398,000 |
| Interest expense | 1,121,000 | 2,100,000 | 2,984,000 | 3,733,000 |
| Net interest income | 1,692,000 | 3,409,000 | 4,983,000 | 6,665,000 |
| Noninterest income | 158,000 | 276,000 | 552,000 | 615,000 |
| Noninterest expense | 1,145,000 | 2,456,000 | 3,602,000 | 4,984,000 |
| Provision for loan losses | 291,000 | 841,000 | 1,500,000 | 6,107,000 |
| Pretax income | 414,000 | 388,000 | 433,000 | -3,811,000 |
| Income tax | 172,000 | 219,000 | 144,000 | -1,506,000 |
| Net income | 242,000 | 169,000 | 289,000 | -2,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,923,000 | 14,850,000 | 14,970,000 | 13,426,000 |
| Total capital | 16,529,000 | 16,599,000 | 16,192,000 | 14,993,000 |
| Risk-weighted assets | 134,034,000 | 139,061,000 | 140,371,000 | 135,175,000 |