Call reports 2003
LINCOLN STATE BANK, S.B. — 2003
What LINCOLN STATE BANK, S.B. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,444,000 | 38,965,000 | 37,653,000 | 40,462,000 |
| Total loans | 31,134,000 | 32,144,000 | 27,501,000 | 28,640,000 |
| Allowance for loan losses | 182,000 | 187,000 | 197,000 | 217,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,692,000 | 36,151,000 | 34,485,000 | 37,284,000 |
| Interest-bearing deposits | 27,685,000 | 29,097,000 | 29,178,000 | 31,183,000 |
| Noninterest-bearing deposits | 8,007,000 | 7,054,000 | 5,307,000 | 6,101,000 |
| Equity capital | 2,538,000 | 2,667,000 | 2,934,000 | 2,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,000,000 | 1,677,000 | 2,212,000 |
| Interest expense | 174,000 | 345,000 | 502,000 | 657,000 |
| Net interest income | 332,000 | 655,000 | 1,175,000 | 1,555,000 |
| Noninterest income | 165,000 | 518,000 | 883,000 | 1,035,000 |
| Noninterest expense | 417,000 | 943,000 | 1,536,000 | 2,055,000 |
| Provision for loan losses | 10,000 | 34,000 | 63,000 | 95,000 |
| Pretax income | 70,000 | 196,000 | 459,000 | 440,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 196,000 | 459,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,538,000 | 2,556,000 | 2,883,000 | 2,896,000 |
| Total capital | 2,720,000 | 2,743,000 | 3,080,000 | 3,113,000 |
| Risk-weighted assets | 29,084,000 | 29,936,000 | 28,830,000 | 30,584,000 |