Call reports 2011
BANK OF LINCOLN COUNTY — 2011
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 138,342,000 | 131,111,000 | 127,911,000 | 124,883,000 |
| Total loans | 83,679,000 | 81,535,000 | 78,792,000 | 71,747,000 |
| Allowance for loan losses | 1,519,000 | 1,573,000 | 1,624,000 | 781,000 |
| Securities available for sale | 17,851,000 | 17,195,000 | 17,191,000 | 16,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,194,000 | 114,612,000 | 111,046,000 | 109,277,000 |
| Interest-bearing deposits | 108,617,000 | 100,154,000 | 96,207,000 | 95,358,000 |
| Noninterest-bearing deposits | 13,578,000 | 14,458,000 | 14,839,000 | 13,919,000 |
| Equity capital | 15,489,000 | 15,713,000 | 15,967,000 | 15,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,629,000 | 5,333,000 | 6,966,000 |
| Interest expense | 384,000 | 727,000 | 1,028,000 | 1,302,000 |
| Net interest income | 1,457,000 | 2,902,000 | 4,305,000 | 5,664,000 |
| Noninterest income | 169,000 | 279,000 | 427,000 | 544,000 |
| Noninterest expense | 1,266,000 | 2,417,000 | 3,689,000 | 5,003,000 |
| Provision for loan losses | 25,000 | 270,000 | 314,000 | 1,647,000 |
| Pretax income | 335,000 | 494,000 | 729,000 | -442,000 |
| Income tax | 144,000 | 224,000 | 324,000 | -254,000 |
| Net income | 191,000 | 270,000 | 405,000 | -188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,093,000 | 15,172,000 | 15,307,000 | 14,714,000 |
| Total capital | 16,551,000 | 16,541,000 | 16,655,000 | 15,495,000 |
| Risk-weighted assets | 115,827,000 | 109,359,000 | 106,787,000 | 104,019,000 |