Call reports 2015
BANK OF LINCOLN COUNTY — 2015
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,613,000 | 130,115,000 | 131,044,000 | 133,539,000 |
| Total loans | 88,929,000 | 90,881,000 | 92,519,000 | 99,068,000 |
| Allowance for loan losses | 1,372,000 | 1,304,000 | 1,340,000 | 1,346,000 |
| Securities available for sale | 14,247,000 | 14,749,000 | 16,431,000 | 16,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,699,000 | 112,046,000 | 112,648,000 | 115,862,000 |
| Interest-bearing deposits | 96,454,000 | 92,785,000 | 94,634,000 | 97,665,000 |
| Noninterest-bearing deposits | 18,245,000 | 19,261,000 | 18,014,000 | 18,197,000 |
| Equity capital | 17,438,000 | 17,563,000 | 17,740,000 | 17,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,562,000 | 3,163,000 | 4,788,000 | 6,456,000 |
| Interest expense | 182,000 | 365,000 | 549,000 | 732,000 |
| Net interest income | 1,380,000 | 2,798,000 | 4,239,000 | 5,724,000 |
| Noninterest income | 400,000 | 638,000 | 485,000 | 559,000 |
| Noninterest expense | 1,128,000 | 2,245,000 | 3,311,000 | 4,471,000 |
| Provision for loan losses | 150,000 | 200,000 | 225,000 | 225,000 |
| Pretax income | 502,000 | 991,000 | 1,188,000 | 1,587,000 |
| Income tax | 108,000 | 341,000 | 416,000 | 557,000 |
| Net income | 394,000 | 650,000 | 772,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,065,000 | 17,320,000 | 17,402,000 | 17,169,000 |
| Total capital | 18,277,000 | 18,624,000 | 18,742,000 | 18,515,000 |
| Risk-weighted assets | 96,782,000 | 106,740,000 | 107,990,000 | 113,956,000 |