Call reports 2007
BANK OF LINDSAY — 2007
What BANK OF LINDSAY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,049,000 | 30,555,000 | 31,455,000 | 32,253,000 |
| Total loans | 26,086,000 | 25,833,000 | 26,905,000 | 26,846,000 |
| Allowance for loan losses | 140,000 | 140,000 | 165,000 | 165,000 |
| Securities available for sale | 716,000 | 1,013,000 | 1,021,000 | 723,000 |
| Securities held to maturity | 440,000 | 300,000 | 300,000 | 610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,388,000 | 20,391,000 | 20,986,000 | 21,665,000 |
| Interest-bearing deposits | 16,438,000 | 16,353,000 | 17,386,000 | 17,187,000 |
| Noninterest-bearing deposits | 3,950,000 | 4,038,000 | 3,600,000 | 4,478,000 |
| Equity capital | 2,585,000 | 2,636,000 | 2,691,000 | 2,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 549,000 | 1,064,000 | 1,613,000 | 2,157,000 |
| Interest expense | 252,000 | 513,000 | 771,000 | 1,018,000 |
| Net interest income | 297,000 | 551,000 | 842,000 | 1,139,000 |
| Noninterest income | 58,000 | 114,000 | 167,000 | 283,000 |
| Noninterest expense | 308,000 | 538,000 | 758,000 | 1,124,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 47,000 | 127,000 | 226,000 | 273,000 |
| Income tax | 15,000 | 42,000 | 90,000 | 110,000 |
| Net income | 32,000 | 85,000 | 136,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,589,000 | 2,641,000 | 2,690,000 | 2,718,000 |
| Total capital | 2,729,000 | 2,781,000 | 2,855,000 | 2,883,000 |
| Risk-weighted assets | 26,638,000 | 26,465,000 | 27,413,000 | 28,273,000 |
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