Call reports 2014
BANK OF LINCOLN COUNTY — 2014
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 129,961,000 | 127,796,000 | 129,676,000 | 130,022,000 |
| Total loans | 86,871,000 | 89,676,000 | 88,027,000 | 86,807,000 |
| Allowance for loan losses | 1,072,000 | 1,288,000 | 1,445,000 | 1,323,000 |
| Securities available for sale | 14,775,000 | 14,009,000 | 13,777,000 | 13,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,975,000 | 110,423,000 | 111,869,000 | 112,707,000 |
| Interest-bearing deposits | 94,818,000 | 92,746,000 | 94,013,000 | 95,714,000 |
| Noninterest-bearing deposits | 18,157,000 | 17,677,000 | 17,856,000 | 16,993,000 |
| Equity capital | 16,400,000 | 16,806,000 | 17,077,000 | 17,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,176,000 | 4,806,000 | 6,421,000 |
| Interest expense | 205,000 | 401,000 | 591,000 | 778,000 |
| Net interest income | 1,341,000 | 2,775,000 | 4,215,000 | 5,643,000 |
| Noninterest income | 221,000 | 628,000 | 813,000 | 873,000 |
| Noninterest expense | 1,082,000 | 2,105,000 | 3,121,000 | 4,194,000 |
| Provision for loan losses | 50,000 | 250,000 | 390,000 | 490,000 |
| Pretax income | 430,000 | 1,048,000 | 1,517,000 | 1,832,000 |
| Income tax | 182,000 | 437,000 | 636,000 | 649,000 |
| Net income | 248,000 | 611,000 | 881,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,105,000 | 16,467,000 | 16,738,000 | 16,670,000 |
| Total capital | 17,177,000 | 17,755,000 | 18,030,000 | 17,976,000 |
| Risk-weighted assets | 104,406,000 | 104,179,000 | 103,149,000 | 104,387,000 |