Call reports 2008
BANK OF LINDSAY — 2008
What BANK OF LINDSAY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 31,974,000 | 33,006,000 | 32,909,000 | 34,832,000 |
| Total loans | 26,983,000 | 28,739,000 | 28,182,000 | 27,721,000 |
| Allowance for loan losses | 165,000 | 165,000 | 165,000 | 163,000 |
| Securities available for sale | 304,000 | 102,000 | 102,000 | 103,000 |
| Securities held to maturity | 610,000 | 898,000 | 899,000 | 899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,515,000 | 23,380,000 | 23,306,000 | 25,381,000 |
| Interest-bearing deposits | 18,328,000 | 18,743,000 | 18,468,000 | 18,220,000 |
| Noninterest-bearing deposits | 4,187,000 | 4,637,000 | 4,838,000 | 7,161,000 |
| Equity capital | 2,746,000 | 2,823,000 | 2,873,000 | 2,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 989,000 | 1,452,000 | 1,916,000 |
| Interest expense | 235,000 | 455,000 | 661,000 | 860,000 |
| Net interest income | 273,000 | 534,000 | 791,000 | 1,056,000 |
| Noninterest income | 70,000 | 137,000 | 205,000 | 447,000 |
| Noninterest expense | 307,000 | 510,000 | 756,000 | 1,259,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 161,000 | 240,000 | 244,000 |
| Income tax | 11,000 | 59,000 | 88,000 | 104,000 |
| Net income | 25,000 | 102,000 | 152,000 | 140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,743,000 | 2,822,000 | 2,872,000 | 2,750,000 |
| Total capital | 2,908,000 | 2,987,000 | 3,037,000 | 2,913,000 |
| Risk-weighted assets | 27,602,000 | 29,327,000 | 28,643,000 | 29,085,000 |