Call reports 2019
FIRST NATIONAL BANK OF LINDSAY, THE — 2019
What FIRST NATIONAL BANK OF LINDSAY, THE 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 | 62,495,000 | 63,217,000 | 64,829,000 | 66,016,000 |
| Total loans | 38,314,000 | 42,245,000 | 44,134,000 | 49,631,000 |
| Allowance for loan losses | 916,000 | 940,000 | 953,000 | 1,195,000 |
| Securities available for sale | 11,630,000 | 10,582,000 | 9,842,000 | 8,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,964,000 | 55,533,000 | 56,778,000 | 57,833,000 |
| Interest-bearing deposits | 37,818,000 | 37,684,000 | 38,943,000 | 41,297,000 |
| Noninterest-bearing deposits | 17,146,000 | 17,849,000 | 17,835,000 | 16,536,000 |
| Equity capital | 7,305,000 | 7,632,000 | 7,993,000 | 7,821,000 |
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 | 646,000 | 1,393,000 | 2,154,000 | 2,985,000 |
| Interest expense | 44,000 | 109,000 | 194,000 | 272,000 |
| Net interest income | 602,000 | 1,284,000 | 1,960,000 | 2,713,000 |
| Noninterest income | 98,000 | 221,000 | 309,000 | 452,000 |
| Noninterest expense | 334,000 | 799,000 | 1,168,000 | 1,790,000 |
| Provision for loan losses | 15,000 | 35,000 | 45,000 | 285,000 |
| Pretax income | 354,000 | 674,000 | 1,059,000 | 1,097,000 |
| Income tax | 50,000 | 95,000 | 140,000 | 285,000 |
| Net income | 304,000 | 579,000 | 919,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,311,000 | 7,621,000 | 7,947,000 | 7,792,000 |
| Total capital | 7,860,000 | 8,211,000 | 8,550,000 | 8,450,000 |
| Risk-weighted assets | 43,416,000 | 46,712,000 | 47,916,000 | 52,114,000 |