Call reports 2008
LYNDON STATE BANK, THE — 2008
What LYNDON STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 83,074,000 | 83,771,000 | 82,942,000 | 81,316,000 |
| Total loans | 62,184,000 | 64,081,000 | 63,160,000 | 62,958,000 |
| Allowance for loan losses | 436,000 | 463,000 | 500,000 | 482,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,349,000 | 14,393,000 | 13,235,000 | 12,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,344,000 | 67,144,000 | 68,382,000 | 67,456,000 |
| Interest-bearing deposits | 60,571,000 | 60,185,000 | 62,682,000 | 62,144,000 |
| Noninterest-bearing deposits | 5,773,000 | 6,959,000 | 5,700,000 | 5,312,000 |
| Equity capital | 6,615,000 | 6,682,000 | 6,762,000 | 7,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,512,000 | 2,968,000 | 4,415,000 | 5,845,000 |
| Interest expense | 680,000 | 1,282,000 | 1,852,000 | 2,361,000 |
| Net interest income | 832,000 | 1,686,000 | 2,563,000 | 3,484,000 |
| Noninterest income | 134,000 | 282,000 | 443,000 | 564,000 |
| Noninterest expense | 670,000 | 1,320,000 | 2,084,000 | 2,778,000 |
| Provision for loan losses | 0 | 38,000 | 97,000 | 175,000 |
| Pretax income | 296,000 | 610,000 | 825,000 | 1,095,000 |
| Income tax | 0 | 2,000 | 10,000 | 17,000 |
| Net income | 296,000 | 608,000 | 815,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,085,000 | 6,152,000 | 6,232,000 | 6,500,000 |
| Total capital | 6,521,000 | 6,615,000 | 6,732,000 | 6,982,000 |
| Risk-weighted assets | 56,349,000 | 57,831,000 | 57,618,000 | 56,705,000 |
Machine access — free, no API key
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