Call reports 2010
BANK OF LINDSAY — 2010
What BANK OF LINDSAY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 30,730,000 | 31,601,000 | 33,582,000 | 32,774,000 |
| Total loans | 23,557,000 | 26,675,000 | 27,028,000 | 27,998,000 |
| Allowance for loan losses | 168,000 | 168,000 | 168,000 | 158,000 |
| Securities available for sale | 0 | 2,014,000 | 2,004,000 | 384,000 |
| Securities held to maturity | 700,000 | 500,000 | 500,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,046,000 | 24,187,000 | 23,314,000 | 26,074,000 |
| Interest-bearing deposits | 18,829,000 | 19,143,000 | 17,157,000 | 16,741,000 |
| Noninterest-bearing deposits | 6,217,000 | 5,044,000 | 6,157,000 | 9,333,000 |
| Equity capital | 2,965,000 | 2,822,000 | 2,941,000 | 2,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 778,000 | 1,189,000 | 1,589,000 |
| Interest expense | 81,000 | 160,000 | 241,000 | 316,000 |
| Net interest income | 296,000 | 618,000 | 948,000 | 1,273,000 |
| Noninterest income | 126,000 | 247,000 | 368,000 | 489,000 |
| Noninterest expense | 461,000 | 727,000 | 983,000 | 1,442,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -39,000 | 138,000 | 333,000 | 320,000 |
| Income tax | 0 | 48,000 | 118,000 | 138,000 |
| Net income | -39,000 | 90,000 | 215,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,965,000 | 2,809,000 | 2,934,000 | 2,901,000 |
| Total capital | 3,133,000 | 2,977,000 | 3,102,000 | 3,059,000 |
| Risk-weighted assets | 24,974,000 | 27,663,000 | 28,607,000 | 29,552,000 |