Call reports 2005
BANK OF LINDSAY — 2005
What BANK OF LINDSAY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,545,000 | 21,740,000 | 23,206,000 | 25,270,000 |
| Total loans | 17,023,000 | 18,911,000 | 19,221,000 | 21,908,000 |
| Allowance for loan losses | 139,000 | 139,000 | 139,000 | 139,000 |
| Securities available for sale | 494,000 | 297,000 | 295,000 | 293,000 |
| Securities held to maturity | 508,000 | 508,000 | 508,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,044,000 | 17,853,000 | 16,846,000 | 17,396,000 |
| Interest-bearing deposits | 14,284,000 | 14,747,000 | 13,635,000 | 12,992,000 |
| Noninterest-bearing deposits | 3,760,000 | 3,106,000 | 3,211,000 | 4,404,000 |
| Equity capital | 2,439,000 | 2,519,000 | 2,582,000 | 2,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 303,000 | 627,000 | 966,000 | 1,347,000 |
| Interest expense | 61,000 | 129,000 | 214,000 | 327,000 |
| Net interest income | 242,000 | 498,000 | 752,000 | 1,020,000 |
| Noninterest income | 59,000 | 113,000 | 167,000 | 289,000 |
| Noninterest expense | 303,000 | 492,000 | 693,000 | 1,010,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 9,000 |
| Pretax income | -2,000 | 119,000 | 222,000 | 290,000 |
| Income tax | 0 | 42,000 | 80,000 | 94,000 |
| Net income | -2,000 | 77,000 | 142,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,442,000 | 2,521,000 | 2,586,000 | 2,492,000 |
| Total capital | 2,581,000 | 2,660,000 | 2,725,000 | 2,631,000 |
| Risk-weighted assets | 18,008,000 | 19,889,000 | 20,412,000 | 23,242,000 |
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