Call reports 2015
FIRST NATIONAL BANK OF LINDSAY, THE — 2015
What FIRST NATIONAL BANK OF LINDSAY, THE 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 | 56,421,000 | 55,096,000 | 54,860,000 | 54,743,000 |
| Total loans | 18,367,000 | 19,562,000 | 21,636,000 | 20,113,000 |
| Allowance for loan losses | 349,000 | 350,000 | 350,000 | 374,000 |
| Securities available for sale | 15,650,000 | 18,779,000 | 16,453,000 | 19,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,588,000 | 50,170,000 | 49,775,000 | 49,862,000 |
| Interest-bearing deposits | 34,984,000 | 33,798,000 | 33,997,000 | 34,185,000 |
| Noninterest-bearing deposits | 16,604,000 | 16,372,000 | 15,779,000 | 15,677,000 |
| Equity capital | 4,818,000 | 4,911,000 | 5,071,000 | 4,867,000 |
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 | 403,000 | 831,000 | 1,252,000 | 1,670,000 |
| Interest expense | 22,000 | 44,000 | 64,000 | 87,000 |
| Net interest income | 381,000 | 787,000 | 1,188,000 | 1,583,000 |
| Noninterest income | 135,000 | 205,000 | 298,000 | 395,000 |
| Noninterest expense | 335,000 | 609,000 | 902,000 | 1,213,000 |
| Provision for loan losses | 79,000 | 79,000 | 79,000 | 99,000 |
| Pretax income | 112,000 | 321,000 | 522,000 | 677,000 |
| Income tax | 59,000 | 107,000 | 126,000 | 161,000 |
| Net income | 53,000 | 214,000 | 396,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,828,000 | 4,989,000 | 5,156,000 | 5,060,000 |
| Total capital | 5,168,000 | 5,339,000 | 5,506,000 | 5,430,000 |
| Risk-weighted assets | 27,247,000 | 28,176,000 | 30,499,000 | 29,647,000 |