Call reports 2010
LINCOLN STATE BANK, S.B. — 2010
What LINCOLN STATE BANK, S.B. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 44,371,000 | 42,127,000 | 43,439,000 | 46,764,000 |
| Total loans | 31,330,000 | 33,977,000 | 34,186,000 | 32,908,000 |
| Allowance for loan losses | 344,000 | 393,000 | 395,000 | 440,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,706,000 | 3,306,000 | 3,501,000 | 4,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,730,000 | 38,389,000 | 39,448,000 | 42,551,000 |
| Interest-bearing deposits | 29,341,000 | 27,434,000 | 28,676,000 | 29,973,000 |
| Noninterest-bearing deposits | 11,389,000 | 10,955,000 | 10,772,000 | 12,578,000 |
| Equity capital | 3,414,000 | 3,537,000 | 3,781,000 | 4,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 547,000 | 1,128,000 | 1,703,000 | 2,275,000 |
| Interest expense | 144,000 | 276,000 | 406,000 | 534,000 |
| Net interest income | 403,000 | 852,000 | 1,297,000 | 1,741,000 |
| Noninterest income | 156,000 | 307,000 | 488,000 | 713,000 |
| Noninterest expense | 478,000 | 949,000 | 1,425,000 | 1,883,000 |
| Provision for loan losses | 16,000 | 55,000 | 98,000 | 143,000 |
| Pretax income | 65,000 | 155,000 | 262,000 | 428,000 |
| Income tax | -19,000 | -47,000 | -79,000 | -129,000 |
| Net income | 84,000 | 202,000 | 341,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,414,000 | 3,390,000 | 3,602,000 | 3,770,000 |
| Total capital | 3,758,000 | 3,783,000 | 3,997,000 | 4,173,000 |
| Risk-weighted assets | 31,779,000 | 33,820,000 | 33,097,000 | 32,234,000 |