PackageTrendsPeer
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Lincoln Community Bank

Milwaukee, WI · Cert 29939

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lincoln Community Bank

Milwaukee, WI · Cert 29939

FDIC

Q4 2001

$109.2MAssets
$85.4MLoans
$84.2MDeposits
$9.7MEquity
Loan mix
66%RE $19.2M33%C&I $9.6M0%Consumer $0.1MQ1 2000Q4 2001
Deposit mix
94%Interest-bearing $79.5M6%Noninterest $4.8MQ1 2000Q4 2001

Executive Summary

  • Earnings: ROA of 0.99%, down 1 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Funding: loans stand at 101.34% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

0.99%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.61%

Efficiency Ratio (YTD, annualized)

58.67%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.28%Q1 ’017.25%Q3 ’017.03%Q4 ’01+9%-1%

Non-interest income vs. expense

2.14%Q1 ’012.26%Q3 ’012.25%Q4 ’01+5%0%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.05%1.04%1.02%1.00%0.88%0.99%1.01%0.99%-1 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.34%3.54%3.64%3.61%n/a
Efficiency Ration/an/an/an/a60.30%58.96%58.48%58.67%n/a
Non-Interest Burdenn/an/an/an/a1.93%2.00%2.03%2.02%n/a
Growth
Asset Growth (YoY)16.56%15.18%12.17%9.52%-0.86%-4.89%-1.87%-3.53%-1,305 bps
Loan Growth (YoY)17.46%18.14%13.23%10.27%-0.16%-2.88%-0.09%-2.74%-1,302 bps
Deposit Growth (YoY)-3.74%-2.46%-0.44%0.32%0.24%0.28%1.06%1.47%+115 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.24%0.14%0.14%0.32%n/a
Allowance / Loansn/an/an/an/a1.01%1.05%1.09%0.98%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a11.49%11.74%11.74%12.09%n/a
Equity / Assetsn/an/an/an/a8.47%8.64%8.80%8.89%n/a
Liquidity & Funding
Loans / Deposits104.06%107.39%103.91%105.74%103.64%104.02%102.73%101.34%-439 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.22%0.09%0.05%0.05%+5 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a