Call reports 2003
LYONS STATE BANK — 2003
What LYONS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,358,000 | 80,871,000 | 81,195,000 | 81,290,000 |
| Total loans | 67,017,000 | 64,657,000 | 62,525,000 | 59,267,000 |
| Allowance for loan losses | 1,717,000 | 1,464,000 | 1,513,000 | 1,189,000 |
| Securities available for sale | 9,044,000 | 8,627,000 | 11,930,000 | 14,990,000 |
| Securities held to maturity | 1,336,000 | 1,460,000 | 1,408,000 | 1,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,474,000 | 72,555,000 | 73,383,000 | 71,949,000 |
| Interest-bearing deposits | 68,010,000 | 64,539,000 | 65,047,000 | 63,718,000 |
| Noninterest-bearing deposits | 7,464,000 | 8,016,000 | 8,336,000 | 8,231,000 |
| Equity capital | 5,688,000 | 5,824,000 | 6,030,000 | 6,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,243,000 | 2,405,000 | 3,616,000 | 4,734,000 |
| Interest expense | 399,000 | 763,000 | 1,121,000 | 1,448,000 |
| Net interest income | 844,000 | 1,642,000 | 2,495,000 | 3,286,000 |
| Noninterest income | 83,000 | 200,000 | 326,000 | 417,000 |
| Noninterest expense | 710,000 | 1,530,000 | 2,259,000 | 3,066,000 |
| Provision for loan losses | 400,000 | 400,000 | 450,000 | 450,000 |
| Pretax income | -183,000 | -88,000 | 112,000 | 187,000 |
| Income tax | 0 | 0 | 32,000 | 28,000 |
| Net income | -183,000 | -88,000 | 80,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,503,000 | 5,608,000 | 5,856,000 | 5,935,000 |
| Total capital | 6,385,000 | 6,450,000 | 6,682,000 | 6,723,000 |
| Risk-weighted assets | 69,742,000 | 66,727,000 | 65,387,000 | 62,672,000 |
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