Call reports 2004
LYONS STATE BANK — 2004
What LYONS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,810,000 | 79,792,000 | 81,600,000 | 82,743,000 |
| Total loans | 60,886,000 | 57,686,000 | 55,843,000 | 57,459,000 |
| Allowance for loan losses | 1,388,000 | 1,425,000 | 1,167,000 | 1,065,000 |
| Securities available for sale | 14,533,000 | 13,776,000 | 15,396,000 | 15,295,000 |
| Securities held to maturity | 1,301,000 | 1,778,000 | 2,555,000 | 2,660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,336,000 | 71,158,000 | 72,840,000 | 72,643,000 |
| Interest-bearing deposits | 65,421,000 | 63,199,000 | 64,182,000 | 62,040,000 |
| Noninterest-bearing deposits | 8,915,000 | 7,959,000 | 8,658,000 | 10,603,000 |
| Equity capital | 6,216,000 | 6,150,000 | 6,271,000 | 6,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,177,000 | 3,159,000 | 4,208,000 |
| Interest expense | 295,000 | 582,000 | 859,000 | 1,135,000 |
| Net interest income | 769,000 | 1,595,000 | 2,300,000 | 3,073,000 |
| Noninterest income | 88,000 | 173,000 | 272,000 | 367,000 |
| Noninterest expense | 766,000 | 1,443,000 | 2,169,000 | 2,900,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 91,000 | 325,000 | 403,000 | 540,000 |
| Income tax | 29,000 | 111,000 | 134,000 | 162,000 |
| Net income | 62,000 | 214,000 | 269,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,997,000 | 6,149,000 | 6,204,000 | 6,313,000 |
| Total capital | 6,806,000 | 6,920,000 | 6,960,000 | 7,091,000 |
| Risk-weighted assets | 64,138,000 | 61,006,000 | 60,049,000 | 61,954,000 |
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