Call reports 2013
BANK OF LINCOLN COUNTY — 2013
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,617,000 | 129,771,000 | 130,175,000 | 126,331,000 |
| Total loans | 73,654,000 | 79,785,000 | 85,954,000 | 84,895,000 |
| Allowance for loan losses | 1,106,000 | 1,162,000 | 1,238,000 | 1,356,000 |
| Securities available for sale | 12,100,000 | 11,437,000 | 14,648,000 | 15,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,414,000 | 113,372,000 | 113,345,000 | 109,936,000 |
| Interest-bearing deposits | 96,072,000 | 96,740,000 | 93,072,000 | 94,431,000 |
| Noninterest-bearing deposits | 17,342,000 | 16,632,000 | 20,273,000 | 15,505,000 |
| Equity capital | 15,759,000 | 15,745,000 | 15,918,000 | 16,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,464,000 | 2,979,000 | 4,591,000 | 6,231,000 |
| Interest expense | 243,000 | 479,000 | 703,000 | 918,000 |
| Net interest income | 1,221,000 | 2,500,000 | 3,888,000 | 5,313,000 |
| Noninterest income | 141,000 | 291,000 | 424,000 | 649,000 |
| Noninterest expense | 1,072,000 | 2,204,000 | 3,256,000 | 4,338,000 |
| Provision for loan losses | 186,000 | 252,000 | 362,000 | 487,000 |
| Pretax income | 104,000 | 335,000 | 694,000 | 1,137,000 |
| Income tax | 34,000 | 140,000 | 293,000 | 372,000 |
| Net income | 70,000 | 195,000 | 401,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,286,000 | 15,411,000 | 15,615,000 | 15,857,000 |
| Total capital | 16,392,000 | 16,573,000 | 16,853,000 | 17,121,000 |
| Risk-weighted assets | 97,920,000 | 99,295,000 | 104,482,000 | 101,002,000 |