Call reports 2020
FIRST NATIONAL BANK OF LINDSAY, THE — 2020
What FIRST NATIONAL BANK OF LINDSAY, THE 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 | 68,820,000 | 81,089,000 | 77,492,000 | 80,695,000 |
| Total loans | 49,943,000 | 53,158,000 | 52,699,000 | 58,388,000 |
| Allowance for loan losses | 1,220,000 | 1,250,000 | 1,280,000 | 1,660,000 |
| Securities available for sale | 9,955,000 | 11,780,000 | 11,085,000 | 12,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,372,000 | 71,951,000 | 67,982,000 | 71,676,000 |
| Interest-bearing deposits | 43,763,000 | 50,519,000 | 48,339,000 | 52,492,000 |
| Noninterest-bearing deposits | 16,609,000 | 21,432,000 | 19,643,000 | 19,184,000 |
| Equity capital | 8,053,000 | 8,680,000 | 9,053,000 | 8,809,000 |
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 | 832,000 | 1,576,000 | 2,365,000 | 3,190,000 |
| Interest expense | 92,000 | 188,000 | 280,000 | 373,000 |
| Net interest income | 740,000 | 1,388,000 | 2,085,000 | 2,817,000 |
| Noninterest income | 85,000 | 224,000 | 297,000 | 409,000 |
| Noninterest expense | 368,000 | 721,000 | 1,072,000 | 1,819,000 |
| Provision for loan losses | 25,000 | 55,000 | 85,000 | 465,000 |
| Pretax income | 430,000 | 837,000 | 1,227,000 | 944,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 71,000 |
| Net income | 385,000 | 747,000 | 1,092,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,178,000 | 8,540,000 | 8,885,000 | 8,665,000 |
| Total capital | — | — | — | 9,439,000 |
| Risk-weighted assets | — | — | — | 61,045,000 |