Call reports 2022
LYNDON STATE BANK, THE — 2022
What LYNDON STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 92,538,000 | 89,834,000 | 89,282,000 | 90,693,000 |
| Total loans | 64,653,000 | 66,298,000 | 69,356,000 | 70,343,000 |
| Allowance for loan losses | 790,000 | 793,000 | 796,000 | 798,000 |
| Securities available for sale | 12,868,000 | 15,105,000 | 12,134,000 | 11,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,137,000 | 75,130,000 | 74,818,000 | 74,280,000 |
| Interest-bearing deposits | 56,715,000 | 55,738,000 | 54,525,000 | 52,835,000 |
| Noninterest-bearing deposits | 20,422,000 | 19,392,000 | 20,293,000 | 21,445,000 |
| Equity capital | 8,324,000 | 7,692,000 | 7,370,000 | 7,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,861,000 | 2,848,000 | 3,886,000 |
| Interest expense | 86,000 | 174,000 | 275,000 | 391,000 |
| Net interest income | 826,000 | 1,687,000 | 2,573,000 | 3,495,000 |
| Noninterest income | 110,000 | 233,000 | 354,000 | 469,000 |
| Noninterest expense | 812,000 | 1,704,000 | 2,555,000 | 3,477,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 124,000 | 216,000 | 372,000 | 487,000 |
| Income tax | 12,000 | 12,000 | 14,000 | 44,000 |
| Net income | 112,000 | 204,000 | 358,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,673,000 | 8,674,000 | 8,755,000 | 8,841,000 |
| Total capital | 9,452,000 | 9,459,000 | 9,551,000 | 9,639,000 |
| Risk-weighted assets | 62,362,000 | 62,813,000 | 65,444,000 | 66,101,000 |