Call reports 2020
LYNDON STATE BANK, THE — 2020
What LYNDON STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 78,224,000 | 80,998,000 | 81,246,000 | 83,028,000 |
| Total loans | 55,921,000 | 58,688,000 | 56,921,000 | 58,837,000 |
| Allowance for loan losses | 788,000 | 793,000 | 795,000 | 788,000 |
| Securities available for sale | 8,305,000 | 7,443,000 | 7,859,000 | 10,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,630,000 | 65,398,000 | 65,491,000 | 67,305,000 |
| Interest-bearing deposits | 49,962,000 | 50,911,000 | 51,071,000 | 51,529,000 |
| Noninterest-bearing deposits | 12,668,000 | 14,487,000 | 14,420,000 | 15,776,000 |
| Equity capital | 8,445,000 | 8,509,000 | 8,591,000 | 8,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,896,000 | 2,829,000 | 3,732,000 |
| Interest expense | 160,000 | 312,000 | 455,000 | 592,000 |
| Net interest income | 772,000 | 1,584,000 | 2,374,000 | 3,140,000 |
| Noninterest income | 107,000 | 174,000 | 298,000 | 411,000 |
| Noninterest expense | 834,000 | 1,584,000 | 2,420,000 | 3,143,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 174,000 | 252,000 | 408,000 |
| Income tax | 4,000 | 11,000 | 9,000 | 22,000 |
| Net income | 41,000 | 163,000 | 243,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,752,000 | 7,777,000 | 7,857,000 | 8,000,000 |
| Total capital | 8,429,000 | 8,485,000 | 8,550,000 | 8,720,000 |
| Risk-weighted assets | 54,126,000 | 56,559,000 | 55,401,000 | 57,560,000 |