Call reports 2017
LYNDON STATE BANK, THE — 2017
What LYNDON STATE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 72,434,000 | 72,582,000 | 70,724,000 | 69,204,000 |
| Total loans | 45,750,000 | 47,175,000 | 46,332,000 | 45,996,000 |
| Allowance for loan losses | 800,000 | 828,000 | 818,000 | 823,000 |
| Securities available for sale | 17,800,000 | 17,239,000 | 16,044,000 | 15,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,618,000 | 63,450,000 | 61,765,000 | 60,204,000 |
| Interest-bearing deposits | 52,148,000 | 53,696,000 | 51,704,000 | 49,779,000 |
| Noninterest-bearing deposits | 10,470,000 | 9,754,000 | 10,061,000 | 10,425,000 |
| Equity capital | 7,877,000 | 7,904,000 | 7,823,000 | 7,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 859,000 | 1,700,000 | 2,557,000 | 3,389,000 |
| Interest expense | 90,000 | 184,000 | 280,000 | 369,000 |
| Net interest income | 769,000 | 1,516,000 | 2,277,000 | 3,020,000 |
| Noninterest income | 120,000 | 164,000 | 173,000 | 282,000 |
| Noninterest expense | 816,000 | 1,561,000 | 2,364,000 | 2,984,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 43,000 | 79,000 | 47,000 | 279,000 |
| Income tax | 3,000 | 4,000 | 5,000 | 0 |
| Net income | 40,000 | 75,000 | 42,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,398,000 | 7,350,000 | 7,316,000 | 7,554,000 |
| Total capital | 8,009,000 | 7,958,000 | 7,863,000 | 8,149,000 |
| Risk-weighted assets | 48,713,000 | 48,412,000 | 43,480,000 | 47,351,000 |