Call reports 2023
BANK OF LINCOLN COUNTY — 2023
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 185,238,000 | 189,962,000 | 196,965,000 | 214,436,000 |
| Total loans | 132,897,000 | 146,720,000 | 154,710,000 | 151,252,000 |
| Allowance for loan losses | 1,418,000 | 1,406,000 | 1,410,000 | 1,445,000 |
| Securities available for sale | 21,434,000 | 20,844,000 | 19,231,000 | 20,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,350,000 | 166,715,000 | 173,254,000 | 189,722,000 |
| Interest-bearing deposits | 116,079,000 | 118,856,000 | 128,309,000 | 143,975,000 |
| Noninterest-bearing deposits | 46,271,000 | 47,859,000 | 44,945,000 | 45,747,000 |
| Equity capital | 21,576,000 | 21,976,000 | 22,177,000 | 23,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,368,000 | 4,941,000 | 7,801,000 | 10,862,000 |
| Interest expense | 351,000 | 870,000 | 1,546,000 | 2,383,000 |
| Net interest income | 2,017,000 | 4,071,000 | 6,255,000 | 8,479,000 |
| Noninterest income | 238,000 | 463,000 | 695,000 | 935,000 |
| Noninterest expense | 1,339,000 | 2,719,000 | 4,122,000 | 5,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 65,000 |
| Pretax income | 916,000 | 1,815,000 | 2,828,000 | 3,938,000 |
| Income tax | 262,000 | 489,000 | 744,000 | 1,007,000 |
| Net income | 654,000 | 1,326,000 | 2,084,000 | 2,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,678,000 | 24,345,000 | 25,055,000 | 25,328,000 |