Call reports 2003
BANK OF LINDSAY — 2003
What BANK OF LINDSAY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,627,000 | 22,921,000 | 20,871,000 | 22,098,000 |
| Total loans | 18,376,000 | 17,633,000 | 16,679,000 | 16,584,000 |
| Allowance for loan losses | 179,000 | 238,000 | 238,000 | 178,000 |
| Securities available for sale | 0 | 201,000 | 200,000 | 201,000 |
| Securities held to maturity | 698,000 | 658,000 | 658,000 | 708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,217,000 | 19,529,000 | 17,412,000 | 18,743,000 |
| Interest-bearing deposits | 16,221,000 | 16,336,000 | 14,722,000 | 14,735,000 |
| Noninterest-bearing deposits | 2,996,000 | 3,193,000 | 2,690,000 | 4,008,000 |
| Equity capital | 2,347,000 | 2,354,000 | 2,404,000 | 2,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 616,000 | 908,000 | 1,178,000 |
| Interest expense | 96,000 | 183,000 | 250,000 | 308,000 |
| Net interest income | 217,000 | 433,000 | 658,000 | 870,000 |
| Noninterest income | 58,000 | 112,000 | 167,000 | 324,000 |
| Noninterest expense | 283,000 | 476,000 | 676,000 | 1,031,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 100,000 |
| Pretax income | -8,000 | 9,000 | 89,000 | 63,000 |
| Income tax | 0 | 11,000 | 40,000 | 30,000 |
| Net income | -8,000 | -2,000 | 49,000 | 33,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,347,000 | 2,353,000 | 2,404,000 | 2,335,000 |
| Total capital | 2,526,000 | 2,591,000 | 2,628,000 | 2,513,000 |
| Risk-weighted assets | 19,750,000 | 19,247,000 | 17,961,000 | 18,438,000 |
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