Call reports 2015
BANK OF LINDSAY — 2015
What BANK OF LINDSAY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,270,000 | 51,410,000 | 53,870,000 | 64,931,000 |
| Total loans | 37,107,000 | 45,497,000 | 48,190,000 | 58,342,000 |
| Allowance for loan losses | 140,000 | 140,000 | 215,000 | 315,000 |
| Securities available for sale | 1,058,000 | 991,000 | 933,000 | 884,000 |
| Securities held to maturity | 500,000 | 250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,196,000 | 39,924,000 | 42,704,000 | 44,897,000 |
| Interest-bearing deposits | 30,061,000 | 30,004,000 | 31,355,000 | 31,170,000 |
| Noninterest-bearing deposits | 10,135,000 | 9,920,000 | 11,349,000 | 13,727,000 |
| Equity capital | 4,436,000 | 5,095,000 | 6,218,000 | 6,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 475,000 | 969,000 | 1,484,000 | 2,058,000 |
| Interest expense | 53,000 | 108,000 | 171,000 | 239,000 |
| Net interest income | 422,000 | 861,000 | 1,313,000 | 1,819,000 |
| Noninterest income | 119,000 | 238,000 | 432,000 | 731,000 |
| Noninterest expense | 460,000 | 805,000 | 1,177,000 | 1,893,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 175,000 |
| Pretax income | 81,000 | 294,000 | 493,000 | 482,000 |
| Income tax | 0 | 100,000 | 175,000 | 205,000 |
| Net income | 81,000 | 194,000 | 318,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,429,000 | 5,091,000 | 6,215,000 | 6,564,000 |
| Total capital | 4,569,000 | 5,231,000 | 6,430,000 | 6,879,000 |
| Risk-weighted assets | 38,962,000 | 47,115,000 | 49,563,000 | 60,498,000 |