Call reports 2025
BANK OF LINCOLN COUNTY — 2025
What BANK OF LINCOLN COUNTY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 220,051,000 | 221,324,000 | 223,646,000 | 220,404,000 |
| Total loans | 173,522,000 | 172,583,000 | 166,985,000 | 164,587,000 |
| Allowance for loan losses | 1,681,000 | 1,690,000 | 1,539,000 | 1,559,000 |
| Securities available for sale | 19,213,000 | 24,159,000 | 25,244,000 | 24,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,526,000 | 192,998,000 | 193,575,000 | 190,962,000 |
| Interest-bearing deposits | 122,724,000 | 128,591,000 | 126,038,000 | 148,375,000 |
| Noninterest-bearing deposits | 69,802,000 | 64,407,000 | 67,537,000 | 42,587,000 |
| Equity capital | 25,073,000 | 25,641,000 | 26,844,000 | 27,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,457,000 | 7,056,000 | 10,715,000 | 14,326,000 |
| Interest expense | 996,000 | 2,015,000 | 2,994,000 | 3,885,000 |
| Net interest income | 2,461,000 | 5,041,000 | 7,721,000 | 10,441,000 |
| Noninterest income | 241,000 | 498,000 | 754,000 | 997,000 |
| Noninterest expense | 1,475,000 | 3,075,000 | 4,594,000 | 6,053,000 |
| Provision for loan losses | 0 | 0 | -85,000 | -69,000 |
| Pretax income | 1,227,000 | 2,464,000 | 3,846,000 | 5,314,000 |
| Income tax | 350,000 | 636,000 | 1,001,000 | 1,374,000 |
| Net income | 877,000 | 1,828,000 | 2,845,000 | 3,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,997,000 | 27,684,000 | 28,437,000 | 28,831,000 |