Call reports 2009
BANK OF LINDSAY — 2009
What BANK OF LINDSAY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 33,896,000 | 30,108,000 | 30,126,000 | 33,630,000 |
| Total loans | 24,738,000 | 26,203,000 | 27,038,000 | 29,245,000 |
| Allowance for loan losses | 165,000 | 163,000 | 163,000 | 167,000 |
| Securities available for sale | 102,000 | 101,000 | 0 | 0 |
| Securities held to maturity | 898,000 | 900,000 | 900,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,472,000 | 23,623,000 | 21,723,000 | 24,705,000 |
| Interest-bearing deposits | 18,804,000 | 17,517,000 | 16,854,000 | 16,879,000 |
| Noninterest-bearing deposits | 5,668,000 | 6,106,000 | 4,869,000 | 7,826,000 |
| Equity capital | 2,734,000 | 2,798,000 | 3,008,000 | 3,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 403,000 | 783,000 | 1,191,000 | 1,598,000 |
| Interest expense | 173,000 | 343,000 | 441,000 | 526,000 |
| Net interest income | 230,000 | 440,000 | 750,000 | 1,072,000 |
| Noninterest income | 105,000 | 207,000 | 547,000 | 728,000 |
| Noninterest expense | 354,000 | 582,000 | 878,000 | 1,359,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | -19,000 | 65,000 | 419,000 | 421,000 |
| Income tax | 0 | 18,000 | 162,000 | 143,000 |
| Net income | -19,000 | 47,000 | 257,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,733,000 | 2,797,000 | 3,008,000 | 3,004,000 |
| Total capital | 2,898,000 | 2,960,000 | 3,171,000 | 3,171,000 |
| Risk-weighted assets | 26,061,000 | 26,703,000 | 27,315,000 | 30,487,000 |