Call reports 2014
LYNDON STATE BANK, THE — 2014
What LYNDON STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,940,000 | 79,713,000 | 79,459,000 | 77,389,000 |
| Total loans | 48,019,000 | 48,770,000 | 48,465,000 | 48,213,000 |
| Allowance for loan losses | 898,000 | 919,000 | 918,000 | 898,000 |
| Securities available for sale | 26,496,000 | 25,599,000 | 24,986,000 | 23,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,554,000 | 64,642,000 | 65,353,000 | 64,164,000 |
| Interest-bearing deposits | 58,712,000 | 57,028,000 | 57,175,000 | 56,127,000 |
| Noninterest-bearing deposits | 7,842,000 | 7,614,000 | 8,178,000 | 8,037,000 |
| Equity capital | 8,274,000 | 8,636,000 | 8,780,000 | 8,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,929,000 | 2,925,000 | 3,874,000 |
| Interest expense | 142,000 | 280,000 | 412,000 | 541,000 |
| Net interest income | 805,000 | 1,649,000 | 2,513,000 | 3,333,000 |
| Noninterest income | 68,000 | 173,000 | 243,000 | 338,000 |
| Noninterest expense | 776,000 | 1,616,000 | 2,366,000 | 3,191,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 82,000 | 193,000 | 362,000 | 437,000 |
| Income tax | 2,000 | 7,000 | 15,000 | 17,000 |
| Net income | 80,000 | 186,000 | 347,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,696,000 | 7,689,000 | 7,748,000 | 7,822,000 |
| Total capital | 8,405,000 | 8,414,000 | 8,469,000 | 8,546,000 |
| Risk-weighted assets | 56,557,000 | 57,836,000 | 57,491,000 | 57,723,000 |