Call reports 2007
LINCOLN BANK — 2007
What LINCOLN BANK 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 | 888,723,000 | 897,006,000 | 887,520,000 | 887,640,000 |
| Total loans | 646,842,000 | 614,337,000 | 644,576,000 | 646,374,000 |
| Allowance for loan losses | 6,229,000 | 6,246,000 | 6,282,000 | 6,582,000 |
| Securities available for sale | 121,294,000 | 177,001,000 | 157,820,000 | 150,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 29,718,000 | 0 | 0 | 0 |
| Total deposits | 684,465,000 | 703,570,000 | 681,978,000 | 658,922,000 |
| Interest-bearing deposits | 626,101,000 | 642,471,000 | 628,780,000 | 611,200,000 |
| Noninterest-bearing deposits | 58,364,000 | 61,099,000 | 53,199,000 | 47,722,000 |
| Equity capital | 96,235,000 | 95,816,000 | 96,995,000 | 98,711,000 |
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 | 13,220,000 | 26,701,000 | 40,301,000 | 53,683,000 |
| Interest expense | 7,876,000 | 16,031,000 | 24,135,000 | 31,918,000 |
| Net interest income | 5,344,000 | 10,670,000 | 16,166,000 | 21,765,000 |
| Noninterest income | -171,000 | 1,734,000 | 3,285,000 | 4,965,000 |
| Noninterest expense | 5,854,000 | 11,960,000 | 18,094,000 | 24,071,000 |
| Provision for loan losses | 207,000 | 307,000 | 457,000 | 957,000 |
| Pretax income | -888,000 | 137,000 | 913,000 | 1,729,000 |
| Income tax | -537,000 | -397,000 | -275,000 | -336,000 |
| Net income | -351,000 | 534,000 | 1,188,000 | 2,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,603,000 | 70,616,000 | 71,414,000 | 72,434,000 |
| Total capital | 75,832,000 | 76,862,000 | 77,696,000 | 79,016,000 |
| Risk-weighted assets | 653,070,000 | 678,684,000 | 706,650,000 | 701,619,000 |