Call reports 2009
LYNDON STATE BANK, THE — 2009
What LYNDON STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,850,000 | 82,665,000 | 84,369,000 | 88,782,000 |
| Total loans | 62,149,000 | 62,877,000 | 61,239,000 | 59,865,000 |
| Allowance for loan losses | 527,000 | 525,000 | 578,000 | 656,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,952,000 | 12,850,000 | 17,056,000 | 23,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,744,000 | 69,723,000 | 71,885,000 | 76,139,000 |
| Interest-bearing deposits | 63,883,000 | 64,257,000 | 66,529,000 | 70,431,000 |
| Noninterest-bearing deposits | 5,861,000 | 5,466,000 | 5,356,000 | 5,708,000 |
| Equity capital | 7,034,000 | 6,937,000 | 6,899,000 | 7,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,681,000 | 4,014,000 | 5,338,000 |
| Interest expense | 460,000 | 895,000 | 1,323,000 | 1,759,000 |
| Net interest income | 881,000 | 1,786,000 | 2,691,000 | 3,579,000 |
| Noninterest income | 112,000 | 233,000 | 325,000 | 431,000 |
| Noninterest expense | 696,000 | 1,526,000 | 2,299,000 | 2,989,000 |
| Provision for loan losses | 165,000 | 174,000 | 353,000 | 502,000 |
| Pretax income | 132,000 | 319,000 | 364,000 | 519,000 |
| Income tax | 0 | 22,000 | 32,000 | 42,000 |
| Net income | 132,000 | 297,000 | 332,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,509,000 | 6,412,000 | 6,374,000 | 6,519,000 |
| Total capital | 7,036,000 | 6,937,000 | 6,952,000 | 7,175,000 |
| Risk-weighted assets | 55,917,000 | 56,197,000 | 55,696,000 | 56,160,000 |
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