Call reports 2021
FIRST NATIONAL BANK OF LINDSAY, THE — 2021
What FIRST NATIONAL BANK OF LINDSAY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 85,704,000 | 84,332,000 | 85,527,000 | 86,162,000 |
| Total loans | 60,920,000 | 62,299,000 | 62,451,000 | 62,711,000 |
| Allowance for loan losses | 1,700,000 | 1,730,000 | 1,770,000 | 2,095,000 |
| Securities available for sale | 10,105,000 | 9,982,000 | 8,968,000 | 9,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,355,000 | 74,674,000 | 75,490,000 | 76,204,000 |
| Interest-bearing deposits | 54,582,000 | 52,811,000 | 53,509,000 | 52,974,000 |
| Noninterest-bearing deposits | 21,774,000 | 21,863,000 | 21,981,000 | 23,230,000 |
| Equity capital | 9,084,000 | 9,582,000 | 9,905,000 | 9,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,722,000 | 2,626,000 | 3,518,000 |
| Interest expense | 96,000 | 177,000 | 260,000 | 343,000 |
| Net interest income | 748,000 | 1,545,000 | 2,366,000 | 3,175,000 |
| Noninterest income | 70,000 | 219,000 | 223,000 | 323,000 |
| Noninterest expense | 406,000 | 806,000 | 1,231,000 | 1,885,000 |
| Provision for loan losses | 40,000 | 70,000 | 110,000 | 435,000 |
| Pretax income | 372,000 | 888,000 | 1,248,000 | 1,178,000 |
| Income tax | 45,000 | 79,000 | 113,000 | 190,000 |
| Net income | 327,000 | 809,000 | 1,135,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,970,000 | 9,474,000 | 9,772,000 | 9,637,000 |
| Total capital | 9,760,000 | 10,237,000 | 10,599,000 | 10,428,000 |
| Risk-weighted assets | 62,304,000 | 59,970,000 | 65,224,000 | 61,829,000 |