Call reports 2002
LYONS STATE BANK — 2002
What LYONS STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,293,000 | 86,465,000 | 88,141,000 | 86,092,000 |
| Total loans | 69,267,000 | 68,687,000 | 68,596,000 | 67,103,000 |
| Allowance for loan losses | 967,000 | 1,056,000 | 1,126,000 | 1,356,000 |
| Securities available for sale | 10,104,000 | 10,027,000 | 9,750,000 | 10,077,000 |
| Securities held to maturity | 1,408,000 | 1,406,000 | 1,439,000 | 1,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,145,000 | 76,039,000 | 79,282,000 | 77,289,000 |
| Interest-bearing deposits | 67,748,000 | 68,376,000 | 71,207,000 | 70,025,000 |
| Noninterest-bearing deposits | 7,397,000 | 7,663,000 | 8,075,000 | 7,264,000 |
| Equity capital | 5,969,000 | 5,782,000 | 5,910,000 | 5,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,646,000 | 4,132,000 | 5,453,000 |
| Interest expense | 499,000 | 1,015,000 | 1,518,000 | 1,981,000 |
| Net interest income | 845,000 | 1,631,000 | 2,614,000 | 3,472,000 |
| Noninterest income | 97,000 | 196,000 | 281,000 | 390,000 |
| Noninterest expense | 618,000 | 1,394,000 | 2,128,000 | 2,960,000 |
| Provision for loan losses | 0 | 480,000 | 680,000 | 880,000 |
| Pretax income | 324,000 | -47,000 | 243,000 | 178,000 |
| Income tax | 101,000 | -24,000 | 67,000 | 22,000 |
| Net income | 223,000 | -23,000 | 176,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,752,000 | 5,507,000 | 5,706,000 | 5,686,000 |
| Total capital | 6,657,000 | 6,401,000 | 6,619,000 | 6,576,000 |
| Risk-weighted assets | 72,347,000 | 71,357,000 | 72,804,000 | 70,727,000 |
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