Call reports 2018
LYNDON STATE BANK, THE — 2018
What LYNDON STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 70,822,000 | 71,638,000 | 71,315,000 | 69,632,000 |
| Total loans | 47,231,000 | 49,605,000 | 49,199,000 | 49,391,000 |
| Allowance for loan losses | 793,000 | 800,000 | 750,000 | 747,000 |
| Securities available for sale | 14,500,000 | 13,854,000 | 13,474,000 | 11,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,610,000 | 61,004,000 | 58,729,000 | 58,794,000 |
| Interest-bearing deposits | 51,244,000 | 50,098,000 | 48,142,000 | 47,673,000 |
| Noninterest-bearing deposits | 11,366,000 | 10,906,000 | 10,587,000 | 11,121,000 |
| Equity capital | 7,684,000 | 7,688,000 | 7,588,000 | 7,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 841,000 | 1,703,000 | 2,596,000 | 3,463,000 |
| Interest expense | 89,000 | 184,000 | 298,000 | 418,000 |
| Net interest income | 752,000 | 1,519,000 | 2,298,000 | 3,045,000 |
| Noninterest income | 74,000 | 151,000 | 246,000 | 373,000 |
| Noninterest expense | 802,000 | 1,522,000 | 2,311,000 | 3,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 24,000 | 126,000 | 211,000 | 380,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 13,000 |
| Net income | 12,000 | 114,000 | 199,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,457,000 | 7,486,000 | 7,462,000 | 7,630,000 |
| Total capital | 8,061,000 | 8,099,000 | 8,072,000 | 8,377,000 |
| Risk-weighted assets | 48,150,000 | 48,869,000 | 48,735,000 | 64,091,000 |