Call reports 2010
LYNDON STATE BANK, THE — 2010
What LYNDON STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 88,916,000 | 86,418,000 | 84,900,000 | 84,655,000 |
| Total loans | 59,454,000 | 58,818,000 | 56,613,000 | 56,192,000 |
| Allowance for loan losses | 644,000 | 761,000 | 786,000 | 834,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,617,000 | 22,304,000 | 21,620,000 | 22,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,703,000 | 73,744,000 | 72,359,000 | 70,693,000 |
| Interest-bearing deposits | 69,799,000 | 68,320,000 | 66,838,000 | 64,879,000 |
| Noninterest-bearing deposits | 5,904,000 | 5,424,000 | 5,521,000 | 5,814,000 |
| Equity capital | 7,299,000 | 6,767,000 | 7,021,000 | 7,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,348,000 | 2,602,000 | 3,859,000 | 5,067,000 |
| Interest expense | 416,000 | 812,000 | 1,175,000 | 1,508,000 |
| Net interest income | 932,000 | 1,790,000 | 2,684,000 | 3,559,000 |
| Noninterest income | 193,000 | 320,000 | 488,000 | 550,000 |
| Noninterest expense | 726,000 | 1,487,000 | 2,274,000 | 2,910,000 |
| Provision for loan losses | 59,000 | 625,000 | 641,000 | 736,000 |
| Pretax income | 340,000 | -2,000 | 257,000 | 463,000 |
| Income tax | 12,000 | 24,000 | 29,000 | 20,000 |
| Net income | 328,000 | -26,000 | 228,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,774,000 | 6,242,000 | 6,496,000 | 6,911,000 |
| Total capital | 7,418,000 | 6,928,000 | 7,167,000 | 7,570,000 |
| Risk-weighted assets | 56,113,000 | 55,298,000 | 53,597,000 | 52,564,000 |
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