Call reports 2011
LYNDON STATE BANK, THE — 2011
What LYNDON STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 84,963,000 | 85,083,000 | 83,083,000 | 80,067,000 |
| Total loans | 56,470,000 | 55,927,000 | 52,168,000 | 51,097,000 |
| Allowance for loan losses | 873,000 | 757,000 | 731,000 | 646,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,293,000 | 23,103,000 | 22,792,000 | 22,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,964,000 | 72,249,000 | 70,157,000 | 66,781,000 |
| Interest-bearing deposits | 65,700,000 | 66,290,000 | 64,121,000 | 60,645,000 |
| Noninterest-bearing deposits | 6,264,000 | 5,959,000 | 6,036,000 | 6,136,000 |
| Equity capital | 7,557,000 | 7,511,000 | 7,568,000 | 7,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,337,000 | 3,455,000 | 4,565,000 |
| Interest expense | 307,000 | 604,000 | 884,000 | 1,136,000 |
| Net interest income | 904,000 | 1,733,000 | 2,571,000 | 3,429,000 |
| Noninterest income | 85,000 | 179,000 | 276,000 | 333,000 |
| Noninterest expense | 780,000 | 1,497,000 | 2,228,000 | 2,840,000 |
| Provision for loan losses | 85,000 | 245,000 | 370,000 | 520,000 |
| Pretax income | 124,000 | 170,000 | 249,000 | 402,000 |
| Income tax | 3,000 | 17,000 | 21,000 | 28,000 |
| Net income | 121,000 | 153,000 | 228,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,032,000 | 6,986,000 | 7,043,000 | 7,172,000 |
| Total capital | 7,708,000 | 7,653,000 | 7,715,000 | 7,818,000 |
| Risk-weighted assets | 53,855,000 | 53,300,000 | 53,722,000 | 53,806,000 |