Call reports 2013
BANK OF LINDSAY — 2013
What BANK OF LINDSAY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,925,000 | 38,435,000 | 39,398,000 | 46,648,000 |
| Total loans | 29,203,000 | 30,582,000 | 32,173,000 | 38,220,000 |
| Allowance for loan losses | 138,000 | 140,000 | 140,000 | 140,000 |
| Securities available for sale | 1,971,000 | 1,747,000 | 1,590,000 | 1,506,000 |
| Securities held to maturity | 754,000 | 753,000 | 752,000 | 752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,601,000 | 28,931,000 | 27,527,000 | 31,401,000 |
| Interest-bearing deposits | 20,588,000 | 19,625,000 | 19,096,000 | 20,971,000 |
| Noninterest-bearing deposits | 11,013,000 | 9,306,000 | 8,431,000 | 10,430,000 |
| Equity capital | 3,099,000 | 3,237,000 | 3,384,000 | 3,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 372,000 | 761,000 | 1,171,000 | 1,656,000 |
| Interest expense | 37,000 | 73,000 | 113,000 | 156,000 |
| Net interest income | 335,000 | 688,000 | 1,058,000 | 1,500,000 |
| Noninterest income | 134,000 | 394,000 | 530,000 | 724,000 |
| Noninterest expense | 383,000 | 761,000 | 1,047,000 | 1,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 321,000 | 541,000 | 617,000 |
| Income tax | 28,000 | 108,000 | 181,000 | 206,000 |
| Net income | 58,000 | 213,000 | 360,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,081,000 | 3,236,000 | 3,383,000 | 3,434,000 |
| Total capital | 3,219,000 | 3,376,000 | 3,523,000 | 3,574,000 |
| Risk-weighted assets | 31,318,000 | 32,607,000 | 34,104,000 | 41,082,000 |