Call reports 2012
LYNDON STATE BANK, THE — 2012
What LYNDON STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 81,351,000 | 81,240,000 | 80,001,000 | 80,471,000 |
| Total loans | 51,472,000 | 49,756,000 | 47,798,000 | 47,482,000 |
| Allowance for loan losses | 698,000 | 774,000 | 842,000 | 885,000 |
| Securities available for sale | 0 | 22,832,000 | 24,201,000 | 26,022,000 |
| Securities held to maturity | 21,165,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,692,000 | 67,370,000 | 65,784,000 | 66,362,000 |
| Interest-bearing deposits | 61,700,000 | 60,469,000 | 59,766,000 | 59,711,000 |
| Noninterest-bearing deposits | 6,992,000 | 6,901,000 | 6,018,000 | 6,651,000 |
| Equity capital | 7,878,000 | 9,065,000 | 8,902,000 | 9,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,085,000 | 2,183,000 | 3,258,000 | 4,277,000 |
| Interest expense | 238,000 | 449,000 | 647,000 | 840,000 |
| Net interest income | 847,000 | 1,734,000 | 2,611,000 | 3,437,000 |
| Noninterest income | 91,000 | 193,000 | 303,000 | 232,000 |
| Noninterest expense | 801,000 | 1,807,000 | 2,565,000 | 3,158,000 |
| Provision for loan losses | 50,000 | 125,000 | 175,000 | 175,000 |
| Pretax income | 191,000 | 99,000 | 294,000 | 456,000 |
| Income tax | 6,000 | -2,000 | 8,000 | 10,000 |
| Net income | 185,000 | 101,000 | 286,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,353,000 | 7,250,000 | 7,417,000 | 7,560,000 |
| Total capital | 8,044,000 | 7,934,000 | 8,092,000 | 8,234,000 |
| Risk-weighted assets | 55,289,000 | 54,600,000 | 53,848,000 | 53,738,000 |