Call reports 2014
BANK OF LINDSAY — 2014
What BANK OF LINDSAY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 40,571,000 | 38,711,000 | 40,159,000 | 49,935,000 |
| Total loans | 30,966,000 | 32,071,000 | 32,832,000 | 42,301,000 |
| Allowance for loan losses | 140,000 | 140,000 | 140,000 | 140,000 |
| Securities available for sale | 1,414,000 | 1,346,000 | 1,266,000 | 1,098,000 |
| Securities held to maturity | 501,000 | 501,000 | 501,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,675,000 | 32,873,000 | 34,918,000 | 37,218,000 |
| Interest-bearing deposits | 22,634,000 | 21,682,000 | 26,361,000 | 26,983,000 |
| Noninterest-bearing deposits | 13,041,000 | 11,191,000 | 8,557,000 | 10,235,000 |
| Equity capital | 3,229,000 | 3,368,000 | 3,490,000 | 4,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 428,000 | 870,000 | 1,332,000 | 1,830,000 |
| Interest expense | 39,000 | 78,000 | 122,000 | 174,000 |
| Net interest income | 389,000 | 792,000 | 1,210,000 | 1,656,000 |
| Noninterest income | 120,000 | 237,000 | 354,000 | 576,000 |
| Noninterest expense | 466,000 | 763,000 | 1,109,000 | 1,689,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 266,000 | 455,000 | 548,000 |
| Income tax | 0 | 95,000 | 160,000 | 185,000 |
| Net income | 43,000 | 171,000 | 295,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,227,000 | 3,355,000 | 3,479,000 | 4,497,000 |
| Total capital | 3,367,000 | 3,495,000 | 3,619,000 | 4,637,000 |
| Risk-weighted assets | 32,879,000 | 34,032,000 | 34,762,000 | 45,212,000 |