PackageTrendsPeer
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Lincoln Security Bank

Newport, OR · Cert 34179

FDIC

Q3 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: Q3 2001, the quarter ended September 30, 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 Security Bank

Newport, OR · Cert 34179

FDIC

Q3 2001

$58.0MAssets
$29.4MLoans
$53.0MDeposits
$4.4MEquity
Loan mix
58%RE $6.9M40%C&I $4.8M2%Consumer $0.2MQ4 1999Q3 2001
Deposit mix
78%Interest-bearing $41.4M22%Noninterest $11.7MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.91%, up 28 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 55.37% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.91%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.93%

Efficiency Ratio (YTD, annualized)

71.58%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.55%Q1 ’017.34%Q2 ’017.24%Q3 ’010%+2%

Non-interest income vs. expense

3.78%Q1 ’013.55%Q2 ’013.52%Q3 ’01-12%-3%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.75%0.44%0.59%0.63%0.70%0.52%0.80%0.91%+28 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.84%3.84%3.93%n/a
Efficiency Ration/an/an/an/an/a80.96%74.18%71.58%n/a
Non-Interest Burdenn/an/an/an/an/a2.95%2.60%2.53%n/a
Growth
Asset Growth (YoY)28.51%40.02%36.20%27.69%17.28%16.35%8.76%13.77%-1,392 bps
Loan Growth (YoY)48.65%43.46%25.60%22.34%17.06%10.54%6.75%5.72%-1,662 bps
Deposit Growth (YoY)30.68%43.74%38.91%29.25%17.10%15.39%3.03%11.99%-1,727 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/an/a0.01%0.00%0.03%n/a
Allowance / Loansn/an/an/an/an/a1.52%1.52%1.45%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/an/a12.22%12.62%12.65%n/a
Equity / Assetsn/an/an/an/an/a7.35%7.69%7.63%n/a
Liquidity & Funding
Loans / Deposits62.19%60.04%57.80%58.65%62.17%57.52%59.89%55.37%-328 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.17%0.01%0.07%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a