Call reports 2012
BANK OF LINDSAY — 2012
What BANK OF LINDSAY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 35,676,000 | 35,657,000 | 38,056,000 | 38,934,000 |
| Total loans | 25,505,000 | 26,594,000 | 28,470,000 | 28,397,000 |
| Allowance for loan losses | 158,000 | 158,000 | 158,000 | 138,000 |
| Securities available for sale | 3,213,000 | 3,009,000 | 2,366,000 | 2,162,000 |
| Securities held to maturity | 756,000 | 755,000 | 755,000 | 754,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,109,000 | 28,832,000 | 26,390,000 | 26,091,000 |
| Interest-bearing deposits | 19,115,000 | 18,365,000 | 18,108,000 | 17,709,000 |
| Noninterest-bearing deposits | 10,994,000 | 10,467,000 | 8,282,000 | 8,382,000 |
| Equity capital | 2,817,000 | 2,960,000 | 3,089,000 | 3,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 788,000 | 1,193,000 | 1,618,000 |
| Interest expense | 59,000 | 109,000 | 150,000 | 191,000 |
| Net interest income | 328,000 | 679,000 | 1,043,000 | 1,427,000 |
| Noninterest income | 135,000 | 269,000 | 399,000 | 636,000 |
| Noninterest expense | 364,000 | 618,000 | 919,000 | 1,449,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 330,000 | 523,000 | 614,000 |
| Income tax | 20,000 | 110,000 | 195,000 | 158,000 |
| Net income | 79,000 | 220,000 | 328,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,821,000 | 2,962,000 | 3,070,000 | 3,198,000 |
| Total capital | 2,979,000 | 3,120,000 | 3,228,000 | 3,336,000 |
| Risk-weighted assets | 27,935,000 | 29,471,000 | 30,954,000 | 31,439,000 |