Call reports 2007
LINCOLN STATE BANK, S.B. — 2007
What LINCOLN STATE BANK, S.B. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 40,530,000 | 43,966,000 | 42,806,000 | 42,112,000 |
| Total loans | 30,482,000 | 34,046,000 | 33,513,000 | 32,608,000 |
| Allowance for loan losses | 295,000 | 301,000 | 291,000 | 291,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,972,000 | 4,386,000 | 2,175,000 | 2,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,311,000 | 40,636,000 | 39,307,000 | 38,367,000 |
| Interest-bearing deposits | 27,653,000 | 29,462,000 | 27,564,000 | 28,455,000 |
| Noninterest-bearing deposits | 9,658,000 | 11,174,000 | 11,743,000 | 9,912,000 |
| Equity capital | 3,033,000 | 3,125,000 | 3,235,000 | 3,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 651,000 | 1,363,000 | 2,056,000 | 2,741,000 |
| Interest expense | 256,000 | 549,000 | 862,000 | 1,162,000 |
| Net interest income | 395,000 | 814,000 | 1,194,000 | 1,579,000 |
| Noninterest income | 128,000 | 244,000 | 422,000 | 586,000 |
| Noninterest expense | 448,000 | 907,000 | 1,354,000 | 1,815,000 |
| Provision for loan losses | 11,000 | 2,000 | 9,000 | -22,000 |
| Pretax income | 64,000 | 149,000 | 253,000 | 372,000 |
| Income tax | 0 | 0 | 0 | -146,000 |
| Net income | 64,000 | 149,000 | 253,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,033,000 | 3,125,000 | 3,235,000 | 3,506,000 |
| Total capital | 3,328,000 | 3,426,000 | 3,526,000 | 3,797,000 |
| Risk-weighted assets | 30,604,000 | 33,968,000 | 33,507,000 | 33,791,000 |