Call reports 2020
BANK OF LINCOLN COUNTY — 2020
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 154,889,000 | 168,962,000 | 177,373,000 | 181,867,000 |
| Total loans | 119,062,000 | 121,403,000 | 116,399,000 | 111,442,000 |
| Allowance for loan losses | 1,553,000 | 1,581,000 | 1,602,000 | 1,497,000 |
| Securities available for sale | 13,701,000 | 13,471,000 | 13,703,000 | 15,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,091,000 | 147,517,000 | 155,473,000 | 160,209,000 |
| Interest-bearing deposits | 108,724,000 | 114,280,000 | 122,567,000 | 123,994,000 |
| Noninterest-bearing deposits | 25,367,000 | 33,237,000 | 32,906,000 | 36,215,000 |
| Equity capital | 19,728,000 | 20,303,000 | 20,851,000 | 20,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,138,000 | 4,327,000 | 6,399,000 | 8,556,000 |
| Interest expense | 382,000 | 748,000 | 1,102,000 | 1,434,000 |
| Net interest income | 1,756,000 | 3,579,000 | 5,297,000 | 7,122,000 |
| Noninterest income | 198,000 | 371,000 | 592,000 | 799,000 |
| Noninterest expense | 1,150,000 | 2,330,000 | 3,476,000 | 4,665,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 80,000 |
| Pretax income | 804,000 | 1,590,000 | 2,353,000 | 3,176,000 |
| Income tax | 227,000 | 425,000 | 631,000 | 824,000 |
| Net income | 577,000 | 1,165,000 | 1,722,000 | 2,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,496,000 | 19,983,000 | 20,560,000 | 20,699,000 |
| Total capital | 21,049,000 | 21,564,000 | — | — |
| Risk-weighted assets | 131,253,000 | 134,139,000 | — | — |