Call reports 2007
LYNDON STATE BANK, THE — 2007
What LYNDON STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 80,861,000 | 80,644,000 | 81,776,000 | 81,793,000 |
| Total loans | 60,597,000 | 59,689,000 | 60,808,000 | 59,517,000 |
| Allowance for loan losses | 371,000 | 376,000 | 404,000 | 547,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,272,000 | 14,520,000 | 15,131,000 | 17,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,011,000 | 64,650,000 | 65,204,000 | 65,120,000 |
| Interest-bearing deposits | 58,856,000 | 59,644,000 | 59,852,000 | 59,679,000 |
| Noninterest-bearing deposits | 5,155,000 | 5,006,000 | 5,352,000 | 5,441,000 |
| Equity capital | 6,531,000 | 6,379,000 | 6,436,000 | 6,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,417,000 | 2,872,000 | 4,356,000 | 5,844,000 |
| Interest expense | 677,000 | 1,381,000 | 2,107,000 | 2,822,000 |
| Net interest income | 740,000 | 1,491,000 | 2,249,000 | 3,022,000 |
| Noninterest income | 128,000 | 288,000 | 467,000 | 644,000 |
| Noninterest expense | 644,000 | 1,271,000 | 1,970,000 | 2,676,000 |
| Provision for loan losses | 0 | 66,000 | 94,000 | 298,000 |
| Pretax income | 224,000 | 442,000 | 652,000 | 692,000 |
| Income tax | -1,000 | 9,000 | 20,000 | 30,000 |
| Net income | 225,000 | 433,000 | 632,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,946,000 | 5,809,000 | 5,881,000 | 5,926,000 |
| Total capital | 6,317,000 | 6,185,000 | 6,285,000 | 6,473,000 |
| Risk-weighted assets | 55,181,000 | 56,598,000 | 57,967,000 | 55,440,000 |
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