Call reports 2025
LYNDON STATE BANK, THE — 2025
What LYNDON STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 101,279,000 | 103,956,000 | 103,957,000 | 104,739,000 |
| Total loans | 83,904,000 | 87,260,000 | 86,365,000 | 88,522,000 |
| Allowance for loan losses | 806,000 | 806,000 | 806,000 | 812,000 |
| Securities available for sale | 10,157,000 | 9,690,000 | 9,746,000 | 9,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,069,000 | 80,043,000 | 78,645,000 | 77,237,000 |
| Interest-bearing deposits | 60,209,000 | 59,258,000 | 58,522,000 | 57,154,000 |
| Noninterest-bearing deposits | 20,860,000 | 20,785,000 | 20,123,000 | 20,083,000 |
| Equity capital | 8,871,000 | 9,058,000 | 9,397,000 | 9,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 3,038,000 | 4,631,000 | 6,236,000 |
| Interest expense | 438,000 | 866,000 | 1,310,000 | 1,725,000 |
| Net interest income | 1,055,000 | 2,172,000 | 3,321,000 | 4,511,000 |
| Noninterest income | 139,000 | 253,000 | 370,000 | 485,000 |
| Noninterest expense | 930,000 | 1,976,000 | 2,874,000 | 3,920,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 264,000 | 449,000 | 817,000 | 1,074,000 |
| Income tax | -4,000 | -4,000 | 8,000 | 15,000 |
| Net income | 268,000 | 453,000 | 809,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,687,000 | 9,797,000 | 9,977,000 | 10,227,000 |
| Total capital | 10,493,000 | 10,603,000 | 10,783,000 | 11,039,000 |
| Risk-weighted assets | 75,485,000 | 77,829,000 | 76,369,000 | 78,447,000 |