Call reports 2006
LYONS STATE BANK — 2006
What LYONS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,399,000 | 83,077,000 | 83,932,000 | 88,867,000 |
| Total loans | 59,449,000 | 56,066,000 | 54,178,000 | 60,073,000 |
| Allowance for loan losses | 970,000 | 1,043,000 | 1,015,000 | 1,051,000 |
| Securities available for sale | 15,748,000 | 15,579,000 | 17,821,000 | 17,520,000 |
| Securities held to maturity | 4,785,000 | 4,783,000 | 5,214,000 | 5,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,598,000 | 74,622,000 | 75,542,000 | 77,169,000 |
| Interest-bearing deposits | 66,265,000 | 65,587,000 | 66,635,000 | 67,386,000 |
| Noninterest-bearing deposits | 9,333,000 | 9,035,000 | 8,907,000 | 9,783,000 |
| Equity capital | 6,770,000 | 6,915,000 | 7,091,000 | 7,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,263,000 | 2,586,000 | 3,926,000 | 5,302,000 |
| Interest expense | 369,000 | 798,000 | 1,246,000 | 1,750,000 |
| Net interest income | 894,000 | 1,788,000 | 2,680,000 | 3,552,000 |
| Noninterest income | 122,000 | 231,000 | 331,000 | 523,000 |
| Noninterest expense | 706,000 | 1,428,000 | 2,174,000 | 2,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 309,000 | 588,000 | 834,000 | 1,077,000 |
| Income tax | 97,000 | 181,000 | 254,000 | 306,000 |
| Net income | 212,000 | 407,000 | 580,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,905,000 | 7,100,000 | 7,181,000 | 7,372,000 |
| Total capital | 7,711,000 | 7,879,000 | 7,949,000 | 8,205,000 |
| Risk-weighted assets | 64,648,000 | 62,089,000 | 61,221,000 | 66,437,000 |
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