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Lincoln Trust Company

Englewood, CO · Cert 91324

FDIC

Q4 2004

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 2004, the quarter ended December 31, 2004, 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 Trust Company

Englewood, CO · Cert 91324

FDIC

Q4 2004

$383.6MAssets
n/aLoans
$345.0MDeposits
$33.9MEquity
Deposit mix
100%Interest-bearing $345.0M0%Noninterest $0.0MQ4 2003Q4 2004

NIM

4.77%Q4 ’023.94%Q4 ’033.89%Q4 ’04-14%-1%

Non-interest income vs. expense

3.13%Q4 ’023.19%Q4 ’033.61%Q4 ’04+36%+50%

Executive Summary

  • Earnings: ROA of 1.08%, down 49 bps year over year; NIM at 3.64%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

1.08%-49 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-4 bps YoY

Efficiency Ratio (YTD, annualized)

68.39%+1,091 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.57%1.24%1.14%1.04%1.08%-49 bps
Return on Equity15.26%11.72%10.60%9.70%10.49%-477 bps
Net Interest Margin3.68%3.93%4.06%3.75%3.64%-4 bps
Efficiency Ratio57.48%65.57%68.30%69.84%68.39%+1,091 bps
Non-Interest Burden1.32%1.91%2.19%2.11%1.98%+66 bps
Growth
Asset Growth (YoY)3.27%9.93%7.89%11.22%8.87%+559 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)9.08%9.14%10.68%12.56%15.03%+595 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital41.00%42.59%36.91%26.99%20.36%-2,064 bps
Equity / Assets10.75%10.41%11.13%10.59%8.83%-191 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets92.12%94.24%87.26%75.98%71.02%-2,109 bps
CRE / Total Capitaln/an/an/an/an/an/an/a