Call reports 2003
LYNDON STATE BANK, THE — 2003
What LYNDON STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 68,985,000 | 69,237,000 | 69,723,000 | 68,029,000 |
| Total loans | 43,060,000 | 45,293,000 | 45,004,000 | 44,848,000 |
| Allowance for loan losses | 394,000 | 395,000 | 378,000 | 381,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,802,000 | 18,215,000 | 19,130,000 | 18,202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,497,000 | 60,225,000 | 60,755,000 | 59,102,000 |
| Interest-bearing deposits | 55,142,000 | 55,533,000 | 56,087,000 | 54,580,000 |
| Noninterest-bearing deposits | 4,355,000 | 4,692,000 | 4,668,000 | 4,522,000 |
| Equity capital | 5,565,000 | 5,447,000 | 5,519,000 | 5,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,210,000 | 3,338,000 | 4,457,000 |
| Interest expense | 406,000 | 792,000 | 1,145,000 | 1,469,000 |
| Net interest income | 715,000 | 1,418,000 | 2,193,000 | 2,988,000 |
| Noninterest income | 110,000 | 248,000 | 367,000 | 532,000 |
| Noninterest expense | 522,000 | 1,049,000 | 1,659,000 | 2,258,000 |
| Provision for loan losses | 12,000 | 22,000 | 31,000 | 45,000 |
| Pretax income | 291,000 | 595,000 | 870,000 | 1,217,000 |
| Income tax | 0 | 41,000 | 53,000 | 59,000 |
| Net income | 291,000 | 554,000 | 817,000 | 1,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,740,000 | 4,639,000 | 4,724,000 | 4,950,000 |
| Total capital | 5,134,000 | 5,034,000 | 5,102,000 | 5,331,000 |
| Risk-weighted assets | 44,664,000 | 44,658,000 | 43,957,000 | 42,966,000 |
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