Call reports 2016
LYNDON STATE BANK, THE — 2016
What LYNDON STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 72,771,000 | 72,178,000 | 71,536,000 | 71,824,000 |
| Total loans | 47,202,000 | 46,362,000 | 44,812,000 | 45,082,000 |
| Allowance for loan losses | 796,000 | 740,000 | 771,000 | 775,000 |
| Securities available for sale | 16,545,000 | 16,633,000 | 17,419,000 | 18,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,859,000 | 63,561,000 | 62,867,000 | 62,085,000 |
| Interest-bearing deposits | 55,023,000 | 54,274,000 | 53,120,000 | 52,402,000 |
| Noninterest-bearing deposits | 8,836,000 | 9,287,000 | 9,747,000 | 9,683,000 |
| Equity capital | 8,346,000 | 8,164,000 | 8,081,000 | 7,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,750,000 | 2,608,000 | 3,446,000 |
| Interest expense | 95,000 | 187,000 | 280,000 | 371,000 |
| Net interest income | 797,000 | 1,563,000 | 2,328,000 | 3,075,000 |
| Noninterest income | 141,000 | -54,000 | 64,000 | 169,000 |
| Noninterest expense | 848,000 | 1,642,000 | 2,486,000 | 3,144,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 60,000 | -189,000 | -179,000 | -15,000 |
| Income tax | 4,000 | -10,000 | -10,000 | -14,000 |
| Net income | 56,000 | -179,000 | -169,000 | -1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,468,000 | 7,179,000 | 7,190,000 | 7,357,000 |
| Total capital | 8,218,000 | 7,919,000 | 7,809,000 | 7,961,000 |
| Risk-weighted assets | 59,987,000 | 59,290,000 | 49,384,000 | 48,168,000 |