Call reports 2005
LYONS STATE BANK — 2005
What LYONS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,442,000 | 80,888,000 | 83,202,000 | 86,946,000 |
| Total loans | 58,696,000 | 56,319,000 | 53,426,000 | 55,519,000 |
| Allowance for loan losses | 1,054,000 | 1,049,000 | 1,054,000 | 1,058,000 |
| Securities available for sale | 15,029,000 | 15,502,000 | 17,294,000 | 17,117,000 |
| Securities held to maturity | 2,864,000 | 3,601,000 | 4,415,000 | 4,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,501,000 | 72,211,000 | 73,497,000 | 78,553,000 |
| Interest-bearing deposits | 65,631,000 | 63,881,000 | 63,999,000 | 67,863,000 |
| Noninterest-bearing deposits | 8,870,000 | 8,330,000 | 9,498,000 | 10,690,000 |
| Equity capital | 6,418,000 | 6,591,000 | 6,627,000 | 6,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,166,000 | 2,291,000 | 3,480,000 | 4,680,000 |
| Interest expense | 288,000 | 601,000 | 922,000 | 1,267,000 |
| Net interest income | 878,000 | 1,690,000 | 2,558,000 | 3,413,000 |
| Noninterest income | 95,000 | 185,000 | 260,000 | 352,000 |
| Noninterest expense | 713,000 | 1,435,000 | 2,198,000 | 2,990,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 260,000 | 440,000 | 620,000 | 775,000 |
| Income tax | 87,000 | 144,000 | 198,000 | 243,000 |
| Net income | 173,000 | 296,000 | 422,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,486,000 | 6,609,000 | 6,674,000 | 6,784,000 |
| Total capital | 7,277,000 | 7,340,000 | 7,408,000 | 7,560,000 |
| Risk-weighted assets | 63,115,000 | 58,140,000 | 58,386,000 | 61,837,000 |
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