Call reports 2005
LINCOLN STATE BANK, S.B. — 2005
What LINCOLN STATE BANK, S.B. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,422,000 | 40,443,000 | 41,095,000 | 40,274,000 |
| Total loans | 31,225,000 | 31,973,000 | 32,609,000 | 31,756,000 |
| Allowance for loan losses | 423,000 | 402,000 | 554,000 | 463,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 499,000 | 1,833,000 | 2,043,000 | 2,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,708,000 | 37,539,000 | 38,244,000 | 37,080,000 |
| Interest-bearing deposits | 32,781,000 | 32,601,000 | 33,013,000 | 26,392,000 |
| Noninterest-bearing deposits | 6,927,000 | 4,938,000 | 5,231,000 | 10,688,000 |
| Equity capital | 2,532,000 | 2,707,000 | 2,671,000 | 2,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 601,000 | 1,176,000 | 1,805,000 | 2,407,000 |
| Interest expense | 153,000 | 316,000 | 496,000 | 684,000 |
| Net interest income | 448,000 | 860,000 | 1,309,000 | 1,723,000 |
| Noninterest income | 279,000 | 366,000 | 470,000 | 574,000 |
| Noninterest expense | 573,000 | 1,047,000 | 1,601,000 | 2,007,000 |
| Provision for loan losses | -37,000 | -31,000 | 160,000 | 28,000 |
| Pretax income | 191,000 | 210,000 | 18,000 | 262,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 191,000 | 210,000 | 18,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,532,000 | 2,707,000 | 2,671,000 | 2,922,000 |
| Total capital | 2,950,000 | 3,109,000 | 3,101,000 | 3,347,000 |
| Risk-weighted assets | 33,409,000 | 33,414,000 | 34,272,000 | 34,018,000 |