Call reports 2016
BANK OF LINCOLN COUNTY — 2016
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 133,971,000 | 130,587,000 | 134,277,000 | 137,015,000 |
| Total loans | 97,970,000 | 98,783,000 | 98,544,000 | 104,110,000 |
| Allowance for loan losses | 1,351,000 | 1,359,000 | 1,380,000 | 1,292,000 |
| Securities available for sale | 16,152,000 | 13,918,000 | 13,201,000 | 13,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,452,000 | 111,543,000 | 114,895,000 | 118,140,000 |
| Interest-bearing deposits | 96,089,000 | 94,241,000 | 80,073,000 | 77,610,000 |
| Noninterest-bearing deposits | 19,363,000 | 17,302,000 | 34,822,000 | 40,530,000 |
| Equity capital | 17,900,000 | 18,304,000 | 18,628,000 | 18,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,480,000 | 5,197,000 | 6,905,000 |
| Interest expense | 180,000 | 357,000 | 533,000 | 700,000 |
| Net interest income | 1,563,000 | 3,123,000 | 4,664,000 | 6,205,000 |
| Noninterest income | 208,000 | 382,000 | 572,000 | 900,000 |
| Noninterest expense | 1,145,000 | 2,283,000 | 3,468,000 | 4,620,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 626,000 | 1,221,000 | 1,767,000 | 2,486,000 |
| Income tax | 262,000 | 512,000 | 685,000 | 910,000 |
| Net income | 364,000 | 709,000 | 1,082,000 | 1,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,366,000 | 17,710,000 | 18,290,000 | 18,292,000 |
| Total capital | 18,717,000 | 19,069,000 | 19,670,000 | 19,584,000 |
| Risk-weighted assets | 114,225,000 | 112,213,000 | 112,467,000 | 119,123,000 |