Call reports 2019
LYNDON STATE BANK, THE — 2019
What LYNDON STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 73,982,000 | 73,349,000 | 74,013,000 | 73,939,000 |
| Total loans | 53,737,000 | 53,531,000 | 53,156,000 | 54,184,000 |
| Allowance for loan losses | 747,000 | 738,000 | 776,000 | 781,000 |
| Securities available for sale | 11,707,000 | 11,400,000 | 10,510,000 | 9,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,402,000 | 61,989,000 | 61,615,000 | 61,514,000 |
| Interest-bearing deposits | 49,981,000 | 50,113,000 | 49,827,000 | 49,548,000 |
| Noninterest-bearing deposits | 12,421,000 | 11,876,000 | 11,788,000 | 11,966,000 |
| Equity capital | 7,925,000 | 8,103,000 | 8,191,000 | 8,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 885,000 | 1,810,000 | 2,738,000 | 3,685,000 |
| Interest expense | 133,000 | 288,000 | 459,000 | 617,000 |
| Net interest income | 752,000 | 1,522,000 | 2,279,000 | 3,068,000 |
| Noninterest income | 104,000 | 210,000 | 393,000 | 500,000 |
| Noninterest expense | 850,000 | 1,569,000 | 2,381,000 | 3,091,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 6,000 | 163,000 | 261,000 | 447,000 |
| Income tax | 4,000 | 4,000 | 10,000 | 6,000 |
| Net income | 2,000 | 159,000 | 251,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,508,000 | 7,578,000 | 7,605,000 | 7,795,000 |
| Total capital | 8,162,000 | 8,225,000 | 8,246,000 | 8,447,000 |
| Risk-weighted assets | 52,253,000 | 51,713,000 | 51,145,000 | 52,062,000 |