Call reports 2008
LINCOLN STATE BANK, S.B. — 2008
What LINCOLN STATE BANK, S.B. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 43,234,000 | 43,773,000 | 42,214,000 | 43,681,000 |
| Total loans | 32,898,000 | 33,196,000 | 34,862,000 | 33,376,000 |
| Allowance for loan losses | 282,000 | 286,000 | 304,000 | 336,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,680,000 | 3,488,000 | 2,484,000 | 2,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,440,000 | 40,302,000 | 38,721,000 | 40,214,000 |
| Interest-bearing deposits | 29,433,000 | 27,512,000 | 28,726,000 | 29,656,000 |
| Noninterest-bearing deposits | 10,007,000 | 12,790,000 | 9,995,000 | 10,558,000 |
| Equity capital | 3,538,000 | 3,174,000 | 3,217,000 | 3,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 644,000 | 1,257,000 | 1,869,000 | 2,469,000 |
| Interest expense | 271,000 | 522,000 | 753,000 | 976,000 |
| Net interest income | 373,000 | 735,000 | 1,116,000 | 1,493,000 |
| Noninterest income | 146,000 | 296,000 | 459,000 | 623,000 |
| Noninterest expense | 492,000 | 1,004,000 | 1,494,000 | 2,017,000 |
| Provision for loan losses | -2,000 | 14,000 | 36,000 | 56,000 |
| Pretax income | 29,000 | 13,000 | 45,000 | 43,000 |
| Income tax | -36,000 | -72,000 | -72,000 | -72,000 |
| Net income | 65,000 | 85,000 | 117,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,538,000 | 3,174,000 | 3,217,000 | 3,223,000 |
| Total capital | 3,820,000 | 3,460,000 | 3,521,000 | 3,559,000 |
| Risk-weighted assets | 33,324,000 | 34,285,000 | 34,835,000 | 33,798,000 |