Call reports 2004
LINCOLN STATE BANK, S.B. — 2004
What LINCOLN STATE BANK, S.B. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,646,000 | 40,797,000 | 42,036,000 | 41,441,000 |
| Total loans | 32,342,000 | 34,280,000 | 35,057,000 | 30,711,000 |
| Allowance for loan losses | 258,000 | 1,320,000 | 1,664,000 | 598,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 200,000 | 505,000 | 502,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,560,000 | 38,834,000 | 38,473,000 | 39,076,000 |
| Interest-bearing deposits | 32,119,000 | 33,974,000 | 33,260,000 | 33,724,000 |
| Noninterest-bearing deposits | 5,441,000 | 4,860,000 | 5,213,000 | 5,352,000 |
| Equity capital | 2,928,000 | 1,777,000 | 1,289,000 | 2,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,085,000 | 1,653,000 | 2,282,000 |
| Interest expense | 154,000 | 302,000 | 459,000 | 616,000 |
| Net interest income | 408,000 | 783,000 | 1,194,000 | 1,666,000 |
| Noninterest income | 175,000 | 266,000 | 393,000 | 515,000 |
| Noninterest expense | 516,000 | 1,060,000 | 1,738,000 | 2,356,000 |
| Provision for loan losses | 41,000 | 1,104,000 | 1,459,000 | 1,160,000 |
| Pretax income | 26,000 | -1,115,000 | -1,610,000 | -1,335,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 26,000 | -1,115,000 | -1,610,000 | -1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,898,000 | 1,777,000 | 1,289,000 | 2,160,000 |
| Total capital | 3,156,000 | 2,216,000 | 1,743,000 | 2,575,000 |
| Risk-weighted assets | 33,117,000 | 34,207,000 | 35,083,000 | 33,043,000 |