Call reports 2021
LYNDON STATE BANK, THE — 2021
What LYNDON STATE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 88,743,000 | 88,615,000 | 88,314,000 | 87,795,000 |
| Total loans | 61,269,000 | 64,749,000 | 63,783,000 | 62,845,000 |
| Allowance for loan losses | 773,000 | 784,000 | 785,000 | 782,000 |
| Securities available for sale | 11,031,000 | 10,566,000 | 10,851,000 | 13,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,154,000 | 72,649,000 | 72,218,000 | 71,797,000 |
| Interest-bearing deposits | 55,390,000 | 55,795,000 | 53,576,000 | 53,628,000 |
| Noninterest-bearing deposits | 17,764,000 | 16,854,000 | 18,642,000 | 18,169,000 |
| Equity capital | 8,505,000 | 8,926,000 | 8,971,000 | 9,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,025,000 | 2,106,000 | 3,067,000 | 3,999,000 |
| Interest expense | 115,000 | 215,000 | 310,000 | 398,000 |
| Net interest income | 910,000 | 1,891,000 | 2,757,000 | 3,601,000 |
| Noninterest income | 118,000 | 258,000 | 429,000 | 548,000 |
| Noninterest expense | 881,000 | 1,707,000 | 2,566,000 | 3,435,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 442,000 | 620,000 | 714,000 |
| Income tax | 5,000 | 14,000 | 22,000 | 7,000 |
| Net income | 142,000 | 428,000 | 598,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,117,000 | 8,402,000 | 8,518,000 | 8,626,000 |
| Total capital | 8,873,000 | 9,177,000 | 9,281,000 | 9,377,000 |
| Risk-weighted assets | 60,516,000 | 61,998,000 | 61,019,000 | 60,057,000 |