Call reports 2015
LYNDON STATE BANK, THE — 2015
What LYNDON STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 74,355,000 | 72,607,000 | 71,417,000 | 73,346,000 |
| Total loans | 47,679,000 | 47,583,000 | 46,374,000 | 46,758,000 |
| Allowance for loan losses | 866,000 | 713,000 | 748,000 | 782,000 |
| Securities available for sale | 19,583,000 | 17,066,000 | 16,462,000 | 17,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,966,000 | 64,000,000 | 62,611,000 | 63,443,000 |
| Interest-bearing deposits | 56,638,000 | 55,670,000 | 54,433,000 | 53,613,000 |
| Noninterest-bearing deposits | 8,328,000 | 8,330,000 | 8,178,000 | 9,830,000 |
| Equity capital | 8,848,000 | 8,194,000 | 8,270,000 | 8,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,827,000 | 2,734,000 | 3,620,000 |
| Interest expense | 128,000 | 228,000 | 326,000 | 421,000 |
| Net interest income | 808,000 | 1,599,000 | 2,408,000 | 3,199,000 |
| Noninterest income | -105,000 | -59,000 | 60,000 | 212,000 |
| Noninterest expense | 805,000 | 1,558,000 | 2,362,000 | 3,298,000 |
| Provision for loan losses | 15,000 | 235,000 | 265,000 | 295,000 |
| Pretax income | 185,000 | 162,000 | 256,000 | 233,000 |
| Income tax | 3,000 | 8,000 | 5,000 | 6,000 |
| Net income | 182,000 | 154,000 | 251,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,866,000 | 7,645,000 | 7,524,000 | 7,500,000 |
| Total capital | 8,586,000 | 8,358,000 | 8,257,000 | 8,243,000 |
| Risk-weighted assets | 57,418,000 | 58,458,000 | 58,587,000 | 59,431,000 |