Call reports 2007
LYONS STATE BANK — 2007
What LYONS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 89,437,000 | 89,782,000 | 90,651,000 | 93,746,000 |
| Total loans | 60,189,000 | 63,223,000 | 59,048,000 | 62,497,000 |
| Allowance for loan losses | 1,082,000 | 1,131,000 | 1,180,000 | 1,207,000 |
| Securities available for sale | 17,412,000 | 14,403,000 | 18,178,000 | 16,831,000 |
| Securities held to maturity | 5,695,000 | 6,426,000 | 6,850,000 | 7,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,558,000 | 78,922,000 | 78,205,000 | 80,320,000 |
| Interest-bearing deposits | 69,909,000 | 70,433,000 | 69,457,000 | 70,293,000 |
| Noninterest-bearing deposits | 9,649,000 | 8,489,000 | 8,748,000 | 10,027,000 |
| Equity capital | 7,378,000 | 7,453,000 | 7,619,000 | 7,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 2,954,000 | 4,457,000 | 5,920,000 |
| Interest expense | 545,000 | 1,128,000 | 1,732,000 | 2,315,000 |
| Net interest income | 950,000 | 1,826,000 | 2,725,000 | 3,605,000 |
| Noninterest income | 103,000 | 176,000 | 249,000 | 364,000 |
| Noninterest expense | 779,000 | 1,564,000 | 2,346,000 | 3,184,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 433,000 | 623,000 | 781,000 |
| Income tax | 78,000 | 120,000 | 175,000 | 204,000 |
| Net income | 196,000 | 313,000 | 448,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,386,000 | 7,503,000 | 7,516,000 | 7,646,000 |
| Total capital | 8,221,000 | 8,347,000 | 8,348,000 | 8,535,000 |
| Risk-weighted assets | 66,579,000 | 67,255,000 | 66,215,000 | 70,773,000 |
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