Call reports 2010
BANK OF LINCOLN COUNTY — 2010
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 159,302,000 | 148,486,000 | 142,592,000 | 138,705,000 |
| Total loans | 110,179,000 | 100,614,000 | 100,130,000 | 87,002,000 |
| Allowance for loan losses | 1,816,000 | 1,635,000 | 1,753,000 | 1,777,000 |
| Securities available for sale | 20,325,000 | 20,023,000 | 18,840,000 | 18,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,583,000 | 133,165,000 | 124,979,000 | 123,023,000 |
| Interest-bearing deposits | 129,102,000 | 118,946,000 | 110,756,000 | 108,019,000 |
| Noninterest-bearing deposits | 15,481,000 | 14,220,000 | 14,223,000 | 15,004,000 |
| Equity capital | 14,056,000 | 14,235,000 | 16,333,000 | 15,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,344,000 | 4,327,000 | 6,454,000 | 8,512,000 |
| Interest expense | 649,000 | 1,231,000 | 1,741,000 | 2,179,000 |
| Net interest income | 1,695,000 | 3,096,000 | 4,713,000 | 6,333,000 |
| Noninterest income | 147,000 | 307,000 | 140,000 | 50,000 |
| Noninterest expense | 1,311,000 | 2,556,000 | 3,863,000 | 6,077,000 |
| Provision for loan losses | 250,000 | 312,000 | 477,000 | 1,285,000 |
| Pretax income | 281,000 | 535,000 | 513,000 | -979,000 |
| Income tax | 120,000 | 224,000 | 241,000 | -454,000 |
| Net income | 161,000 | 311,000 | 272,000 | -525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,588,000 | 13,738,000 | 15,687,000 | 14,901,000 |
| Total capital | 15,263,000 | 15,288,000 | 17,176,000 | 16,354,000 |
| Risk-weighted assets | 133,111,000 | 123,163,000 | 118,844,000 | 115,183,000 |