Call reports 2013
LYNDON STATE BANK, THE — 2013
What LYNDON STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 83,042,000 | 79,509,000 | 77,869,000 | 77,948,000 |
| Total loans | 48,020,000 | 47,692,000 | 46,097,000 | 46,484,000 |
| Allowance for loan losses | 851,000 | 860,000 | 875,000 | 885,000 |
| Securities available for sale | 26,985,000 | 25,818,000 | 26,311,000 | 26,350,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,915,000 | 68,016,000 | 66,393,000 | 64,760,000 |
| Interest-bearing deposits | 61,856,000 | 61,414,000 | 59,768,000 | 58,195,000 |
| Noninterest-bearing deposits | 7,059,000 | 6,602,000 | 6,625,000 | 6,565,000 |
| Equity capital | 8,966,000 | 8,184,000 | 8,078,000 | 7,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,027,000 | 3,018,000 | 4,005,000 |
| Interest expense | 184,000 | 358,000 | 512,000 | 663,000 |
| Net interest income | 832,000 | 1,669,000 | 2,506,000 | 3,342,000 |
| Noninterest income | 23,000 | -30,000 | 37,000 | 35,000 |
| Noninterest expense | 756,000 | 1,554,000 | 2,294,000 | 2,997,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 84,000 | 304,000 | 453,000 | 569,000 |
| Income tax | 20,000 | 29,000 | 38,000 | 53,000 |
| Net income | 64,000 | 275,000 | 415,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,606,000 | 7,665,000 | 7,678,000 | 7,779,000 |
| Total capital | 8,290,000 | 8,350,000 | 8,353,000 | 8,464,000 |
| Risk-weighted assets | 54,584,000 | 54,647,000 | 53,822,000 | 54,568,000 |