Call reports 2023
LYNDON STATE BANK, THE — 2023
What LYNDON STATE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 91,877,000 | 94,058,000 | 93,637,000 | 93,870,000 |
| Total loans | 72,906,000 | 75,474,000 | 74,932,000 | 75,939,000 |
| Allowance for loan losses | 800,000 | 803,000 | 804,000 | 801,000 |
| Securities available for sale | 11,952,000 | 11,881,000 | 11,477,000 | 11,949,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,117,000 | 74,480,000 | 72,917,000 | 72,522,000 |
| Interest-bearing deposits | 53,804,000 | 52,626,000 | 52,544,000 | 52,995,000 |
| Noninterest-bearing deposits | 21,313,000 | 21,854,000 | 20,373,000 | 19,527,000 |
| Equity capital | 7,667,000 | 7,741,000 | 7,511,000 | 8,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,203,000 | 3,410,000 | 4,647,000 |
| Interest expense | 154,000 | 339,000 | 596,000 | 906,000 |
| Net interest income | 913,000 | 1,864,000 | 2,814,000 | 3,741,000 |
| Noninterest income | 100,000 | 226,000 | 362,000 | 478,000 |
| Noninterest expense | 901,000 | 1,834,000 | 2,710,000 | 3,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 112,000 | 256,000 | 466,000 | 576,000 |
| Income tax | 2,000 | 11,000 | 17,000 | 9,000 |
| Net income | 110,000 | 245,000 | 449,000 | 567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,867,000 | 8,948,000 | 9,061,000 | 9,179,000 |
| Total capital | 9,667,000 | 9,751,000 | 9,865,000 | 9,980,000 |
| Risk-weighted assets | 67,010,000 | 70,288,000 | 67,925,000 | 69,139,000 |