Call reports 2012
BANK OF LINCOLN COUNTY — 2012
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,501,000 | 130,204,000 | 127,048,000 | 128,436,000 |
| Total loans | 71,725,000 | 72,509,000 | 72,603,000 | 70,784,000 |
| Allowance for loan losses | 853,000 | 859,000 | 915,000 | 919,000 |
| Securities available for sale | 14,099,000 | 13,615,000 | 12,402,000 | 12,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,581,000 | 113,884,000 | 110,494,000 | 112,443,000 |
| Interest-bearing deposits | 97,249,000 | 97,655,000 | 94,840,000 | 94,789,000 |
| Noninterest-bearing deposits | 16,332,000 | 16,230,000 | 15,654,000 | 17,654,000 |
| Equity capital | 15,427,000 | 15,604,000 | 15,675,000 | 15,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,651,000 | 3,169,000 | 4,703,000 | 6,104,000 |
| Interest expense | 260,000 | 518,000 | 777,000 | 1,030,000 |
| Net interest income | 1,391,000 | 2,651,000 | 3,926,000 | 5,074,000 |
| Noninterest income | 138,000 | 470,000 | 334,000 | 712,000 |
| Noninterest expense | 1,173,000 | 2,497,000 | 3,423,000 | 4,922,000 |
| Provision for loan losses | 80,000 | 95,000 | 150,000 | 180,000 |
| Pretax income | 276,000 | 529,000 | 687,000 | 684,000 |
| Income tax | 119,000 | 228,000 | 300,000 | 183,000 |
| Net income | 157,000 | 301,000 | 387,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,872,000 | 15,015,000 | 15,100,000 | 15,215,000 |
| Total capital | 15,725,000 | 15,874,000 | 16,015,000 | 16,134,000 |
| Risk-weighted assets | 110,578,000 | 102,592,000 | 93,391,000 | 95,507,000 |