Call reports 2004
LYNDON STATE BANK, THE — 2004
What LYNDON STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 70,199,000 | 70,243,000 | 70,868,000 | 70,832,000 |
| Total loans | 46,183,000 | 47,946,000 | 46,974,000 | 47,009,000 |
| Allowance for loan losses | 381,000 | 386,000 | 399,000 | 389,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,643,000 | 18,077,000 | 17,104,000 | 17,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,523,000 | 60,085,000 | 60,851,000 | 60,703,000 |
| Interest-bearing deposits | 55,477,000 | 55,403,000 | 56,291,000 | 55,619,000 |
| Noninterest-bearing deposits | 5,046,000 | 4,682,000 | 4,560,000 | 5,084,000 |
| Equity capital | 6,100,000 | 6,054,000 | 6,106,000 | 6,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,100,000 | 2,212,000 | 3,335,000 | 4,448,000 |
| Interest expense | 298,000 | 586,000 | 884,000 | 1,198,000 |
| Net interest income | 802,000 | 1,626,000 | 2,451,000 | 3,250,000 |
| Noninterest income | 108,000 | 236,000 | 362,000 | 531,000 |
| Noninterest expense | 526,000 | 1,101,000 | 1,720,000 | 2,346,000 |
| Provision for loan losses | 5,000 | 13,000 | 28,000 | 32,000 |
| Pretax income | 379,000 | 748,000 | 1,065,000 | 1,403,000 |
| Income tax | 9,000 | 21,000 | 32,000 | 43,000 |
| Net income | 370,000 | 727,000 | 1,033,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,335,000 | 5,304,000 | 5,371,000 | 5,464,000 |
| Total capital | 5,716,000 | 5,690,000 | 5,770,000 | 5,853,000 |
| Risk-weighted assets | 46,524,000 | 45,509,000 | 46,949,000 | 45,635,000 |
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