Call reports 2023
BANK OF LINDSAY — 2023
What BANK OF LINDSAY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 76,544,000 | 77,138,000 | 91,885,000 | 95,762,000 |
| Total loans | 63,315,000 | 64,926,000 | 74,114,000 | 79,175,000 |
| Allowance for loan losses | 770,000 | 770,000 | 770,000 | 770,000 |
| Securities available for sale | 3,296,000 | 3,084,000 | 2,833,000 | 2,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,486,000 | 56,385,000 | 61,709,000 | 63,881,000 |
| Interest-bearing deposits | 39,553,000 | 39,280,000 | 47,902,000 | 45,096,000 |
| Noninterest-bearing deposits | 17,933,000 | 17,105,000 | 13,807,000 | 18,785,000 |
| Equity capital | 8,527,000 | 8,743,000 | 8,771,000 | 8,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,921,000 | 2,956,000 | 4,222,000 |
| Interest expense | 277,000 | 596,000 | 973,000 | 1,586,000 |
| Net interest income | 677,000 | 1,325,000 | 1,983,000 | 2,636,000 |
| Noninterest income | 188,000 | 375,000 | 568,000 | 1,298,000 |
| Noninterest expense | 643,000 | 1,188,000 | 1,857,000 | 3,263,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 222,000 | 512,000 | 694,000 | 671,000 |
| Income tax | 52,000 | 117,000 | 159,000 | 149,000 |
| Net income | 170,000 | 395,000 | 535,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,965,000 | 9,190,000 | 9,330,000 | 9,317,000 |
| Total capital | 9,735,000 | 9,960,000 | 10,100,000 | 10,087,000 |
| Risk-weighted assets | 69,347,000 | 71,948,000 | 80,965,000 | 86,895,000 |