Call reports 2016
FIRST NATIONAL BANK OF LINDSAY, THE — 2016
What FIRST NATIONAL BANK OF LINDSAY, THE 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 | 53,301,000 | 52,370,000 | 53,209,000 | 50,932,000 |
| Total loans | 21,141,000 | 23,190,000 | 24,989,000 | 28,613,000 |
| Allowance for loan losses | 379,000 | 386,000 | 404,000 | 451,000 |
| Securities available for sale | 18,795,000 | 18,051,000 | 15,815,000 | 13,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,191,000 | 47,001,000 | 47,702,000 | 45,513,000 |
| Interest-bearing deposits | 32,724,000 | 33,296,000 | 32,343,000 | 30,906,000 |
| Noninterest-bearing deposits | 15,467,000 | 13,705,000 | 15,359,000 | 14,607,000 |
| Equity capital | 5,096,000 | 5,355,000 | 5,493,000 | 5,406,000 |
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 | 427,000 | 862,000 | 1,329,000 | 1,792,000 |
| Interest expense | 21,000 | 41,000 | 62,000 | 81,000 |
| Net interest income | 406,000 | 821,000 | 1,267,000 | 1,711,000 |
| Noninterest income | 111,000 | 208,000 | 300,000 | 377,000 |
| Noninterest expense | 312,000 | 614,000 | 932,000 | 1,321,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 60,000 |
| Pretax income | 206,000 | 432,000 | 657,000 | 755,000 |
| Income tax | 61,000 | 101,000 | 135,000 | 193,000 |
| Net income | 145,000 | 331,000 | 522,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,205,000 | 5,420,000 | 5,566,000 | 5,594,000 |
| Total capital | 5,583,000 | 5,806,000 | 5,970,000 | 6,032,000 |
| Risk-weighted assets | 30,138,000 | 31,743,000 | 33,184,000 | 34,867,000 |