FDIC Certificate #: 19775 Status: Active Federal Reserve ID: 650955 Bank Holding Company (Regulatory Top Holder): Lincoln Holding Company (RSSDID: 3809790, Location: Lincoln, MT) Date Established: January 02, 1968 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 13569 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 02, 1968 Last Structure Change Effective Date: Febuary 16, 2010 Last Structure Change Process Date: Febuary 16, 2010 Last Data Update: Febuary 16, 2010 Data Source Date: April 05, 2012
Location
Address: 417 Main Street, Hwy 200, Lincoln, MT 59639 County: Lewis And Clark Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Billings Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Helena, MT (#25740) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $14.8 mil Equity capital: $1.9 mil Deposits held in domestic offices: $12.8 mil Return on assets (ROA): 0.44% ($0.1 mil) Quarterly return on assets: -0.87% (-$0.1 mil) Return on Equity (ROE): 3.50% ($0.1 mil) Quarterly return on equity: -6.84% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.44% ($65.2 mil) Quarterly Pretax return on assets: -0.87% (-$129.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
6Total employees (full-time equivalent)
$14,825Total assets
$2,356Cash and due from depository institutions
$744Interest-bearing balances
$251Securities
$600Federal funds sold & reverse repurchase agreements
$11,109Net loans & leases
$134Loan loss allowance
$0Trading account assets
$83Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$14,825Life insurance assets
$426All other assets
$12,928Total liabilities and capital
$12,842Total liabilities
$8,805Total deposits
$12,842Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$86Subordinated debt
$1,897All other liabilities
$1,897Total equity capital
$1,897Total bank equity capital
$0Perpetual preferred stock
$140Common stock
$1,310Surplus
$447Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$180Income earned, not collected on loans
$0Earning assets
$100Long-term assets (5+ years)
$12,704Average Assets, year-to-date
$4,468Average Assets, quarterly
$15,178Volatile liabilities
$15,151Insider loans
$9,434FHLB advances
$15,317Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,897Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$324Restructured Loans and leases
$143Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$802Total interest income
$142Total interest expense
$660Net interest income
$95Provision for loan and lease losses
$109Total noninterest income
$0Fiduciary activities
$88Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$607Total noninterest expense
$300Salaries and employee benefits
$40Premises and equipment expense
$267Additional noninterest expense
$67Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$67Income before extraordinary items
$0Extraordinary gains - net
$67Net income attributable to bank
$0Net charge-offs
$67Cash dividends
$122Sale, conversion, retirement of capital stock, net
$35Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.22%Yield on earning assets
1.10%Cost of funding earning assets
5.11%Net interest margin
0.84%Noninterest income to earning assets
4.70%Noninterest expense to earning assets
0.44%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
3.50%Return on equity (ROE)
1.67%Retained earnings to average equity (YTD only)
1.09%Net charge-offs to loans
77.87%Credit loss provision to net charge-offs
1.33%Efficiency ratio
78,934Assets per employee
2.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.24%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
74.44%Noncurrent assets plus other real estate owned to assets
1.21%Noncurrent loans to loans
1.60%Net loans and leases to deposits
86.51%Net loans and leases to core deposits
86.51%Equity capital to assets
12.80%Core capital (leverage) ratio
12.38%Tier 1 risk-based capital ratio
20.11%Total risk-based capital ratio
Memoranda
$21Average assets
$15,178Average earning assets
$1,916Average equity
$12,904Average loans
List of branches
1 Montana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13569
First Bank Of Lincoln
417 Main Street, Hwy 200, Lincoln, MT 59639
January 02, 1968
Full Service Brick and Mortar
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