Call reports 2016
BANK OF LINDSAY — 2016
What BANK OF LINDSAY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 62,214,000 | 64,752,000 | 67,180,000 | 72,756,000 |
| Total loans | 55,751,000 | 58,215,000 | 60,289,000 | 65,139,000 |
| Allowance for loan losses | 315,000 | 315,000 | 315,000 | 395,000 |
| Securities available for sale | 851,000 | 805,000 | 758,000 | 692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,468,000 | 42,504,000 | 40,039,000 | 44,712,000 |
| Interest-bearing deposits | 32,457,000 | 31,150,000 | 29,162,000 | 32,666,000 |
| Noninterest-bearing deposits | 12,011,000 | 11,354,000 | 10,877,000 | 12,046,000 |
| Equity capital | 6,600,000 | 6,788,000 | 6,959,000 | 6,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 582,000 | 1,191,000 | 1,821,000 | 2,483,000 |
| Interest expense | 71,000 | 151,000 | 236,000 | 314,000 |
| Net interest income | 511,000 | 1,040,000 | 1,585,000 | 2,169,000 |
| Noninterest income | 141,000 | 279,000 | 423,000 | 718,000 |
| Noninterest expense | 525,000 | 900,000 | 1,326,000 | 2,189,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 127,000 | 419,000 | 682,000 | 618,000 |
| Income tax | 41,000 | 146,000 | 240,000 | 170,000 |
| Net income | 86,000 | 273,000 | 442,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,596,000 | 6,782,000 | 6,952,000 | 6,958,000 |
| Total capital | 6,911,000 | 7,097,000 | 7,267,000 | 7,353,000 |
| Risk-weighted assets | 58,007,000 | 60,895,000 | 63,053,000 | 68,673,000 |