Call reports 2020
BANK OF LINDSAY — 2020
What BANK OF LINDSAY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 76,777,000 | 74,675,000 | 72,537,000 | 78,040,000 |
| Total loans | 65,222,000 | 61,107,000 | 61,660,000 | 63,706,000 |
| Allowance for loan losses | 525,000 | 463,000 | 463,000 | 463,000 |
| Securities available for sale | 1,854,000 | 1,896,000 | 1,798,000 | 1,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,091,000 | 54,001,000 | 50,288,000 | 55,900,000 |
| Interest-bearing deposits | 47,951,000 | 43,766,000 | 41,490,000 | 40,740,000 |
| Noninterest-bearing deposits | 9,140,000 | 10,235,000 | 8,798,000 | 15,160,000 |
| Equity capital | 8,416,000 | 8,715,000 | 8,768,000 | 8,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,514,000 | 2,139,000 | 2,768,000 |
| Interest expense | 260,000 | 461,000 | 625,000 | 775,000 |
| Net interest income | 532,000 | 1,053,000 | 1,514,000 | 1,993,000 |
| Noninterest income | 176,000 | 446,000 | 619,000 | 1,184,000 |
| Noninterest expense | 660,000 | 1,198,000 | 1,763,000 | 2,872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 48,000 | 301,000 | 370,000 | 305,000 |
| Income tax | 10,000 | 65,000 | 85,000 | 130,000 |
| Net income | 38,000 | 236,000 | 285,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,441,000 | 8,639,000 | 8,688,000 | 8,578,000 |
| Total capital | 8,966,000 | 9,102,000 | 9,151,000 | 9,041,000 |
| Risk-weighted assets | 70,846,000 | 64,633,000 | 64,396,000 | 69,764,000 |