Call reports 2005
LYNDON STATE BANK, THE — 2005
What LYNDON STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 72,241,000 | 74,546,000 | 74,047,000 | 74,388,000 |
| Total loans | 48,896,000 | 52,900,000 | 52,411,000 | 53,679,000 |
| Allowance for loan losses | 394,000 | 395,000 | 423,000 | 424,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,047,000 | 16,491,000 | 16,135,000 | 15,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,550,000 | 62,504,000 | 62,762,000 | 62,472,000 |
| Interest-bearing deposits | 56,020,000 | 57,344,000 | 57,527,000 | 57,131,000 |
| Noninterest-bearing deposits | 5,530,000 | 5,160,000 | 5,235,000 | 5,341,000 |
| Equity capital | 6,517,000 | 6,250,000 | 6,229,000 | 6,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,098,000 | 2,289,000 | 3,526,000 | 4,742,000 |
| Interest expense | 329,000 | 688,000 | 1,119,000 | 1,564,000 |
| Net interest income | 769,000 | 1,601,000 | 2,407,000 | 3,178,000 |
| Noninterest income | 125,000 | 268,000 | 414,000 | 580,000 |
| Noninterest expense | 551,000 | 1,153,000 | 1,788,000 | 2,447,000 |
| Provision for loan losses | 3,000 | 11,000 | 33,000 | 48,000 |
| Pretax income | 340,000 | 705,000 | 1,000,000 | 1,263,000 |
| Income tax | 7,000 | 36,000 | 50,000 | 63,000 |
| Net income | 333,000 | 669,000 | 950,000 | 1,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,812,000 | 5,560,000 | 5,554,000 | 5,819,000 |
| Total capital | 6,206,000 | 5,955,000 | 5,977,000 | 6,243,000 |
| Risk-weighted assets | 46,991,000 | 50,109,000 | 49,792,000 | 50,480,000 |
Machine access — free, no API key
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