Call reports 2019
BANK OF LINDSAY — 2019
What BANK OF LINDSAY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 70,911,000 | 71,012,000 | 72,657,000 | 76,016,000 |
| Total loans | 62,595,000 | 60,170,000 | 60,205,000 | 62,374,000 |
| Allowance for loan losses | 480,000 | 495,000 | 510,000 | 525,000 |
| Securities available for sale | 2,273,000 | 2,231,000 | 2,085,000 | 2,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,080,000 | 51,946,000 | 49,310,000 | 50,912,000 |
| Interest-bearing deposits | 43,836,000 | 43,364,000 | 41,943,000 | 40,783,000 |
| Noninterest-bearing deposits | 9,244,000 | 8,582,000 | 7,367,000 | 10,129,000 |
| Equity capital | 8,204,000 | 8,407,000 | 8,540,000 | 8,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 806,000 | 1,658,000 | 2,501,000 | 3,323,000 |
| Interest expense | 280,000 | 582,000 | 890,000 | 1,186,000 |
| Net interest income | 526,000 | 1,076,000 | 1,611,000 | 2,137,000 |
| Noninterest income | 139,000 | 302,000 | 465,000 | 992,000 |
| Noninterest expense | 688,000 | 1,179,000 | 1,701,000 | 2,754,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -38,000 | 169,000 | 350,000 | 335,000 |
| Income tax | 0 | 40,000 | 70,000 | 10,000 |
| Net income | -38,000 | 129,000 | 280,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,190,000 | 8,357,000 | 8,509,000 | 8,554,000 |
| Total capital | 8,670,000 | 8,852,000 | 9,019,000 | 9,079,000 |
| Risk-weighted assets | 66,423,000 | 65,046,000 | 65,744,000 | 69,049,000 |