Call reports 2008
LYONS STATE BANK — 2008
What LYONS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 92,839,000 | 92,081,000 | 89,465,000 | 92,773,000 |
| Total loans | 68,320,000 | 68,500,000 | 65,180,000 | 65,062,000 |
| Allowance for loan losses | 1,253,000 | 1,259,000 | 1,267,000 | 1,572,000 |
| Securities available for sale | 12,489,000 | 10,159,000 | 10,366,000 | 10,684,000 |
| Securities held to maturity | 6,929,000 | 6,926,000 | 7,153,000 | 8,363,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,034,000 | 77,678,000 | 77,987,000 | 82,714,000 |
| Interest-bearing deposits | 68,325,000 | 68,573,000 | 68,903,000 | 72,923,000 |
| Noninterest-bearing deposits | 10,709,000 | 9,105,000 | 9,084,000 | 9,791,000 |
| Equity capital | 8,060,000 | 8,069,000 | 8,123,000 | 7,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,499,000 | 2,879,000 | 4,234,000 | 5,568,000 |
| Interest expense | 542,000 | 1,001,000 | 1,402,000 | 1,764,000 |
| Net interest income | 957,000 | 1,878,000 | 2,832,000 | 3,804,000 |
| Noninterest income | 109,000 | 163,000 | 229,000 | 313,000 |
| Noninterest expense | 849,000 | 1,621,000 | 2,409,000 | 3,363,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000,000 |
| Pretax income | 243,000 | 475,000 | 707,000 | -1,191,000 |
| Income tax | 68,000 | 125,000 | 191,000 | -518,000 |
| Net income | 175,000 | 350,000 | 516,000 | -673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,729,000 | 7,904,000 | 7,948,000 | 6,759,000 |
| Total capital | 8,664,000 | 8,831,000 | 8,840,000 | 7,686,000 |
| Risk-weighted assets | 74,519,000 | 73,830,000 | 70,983,000 | 73,513,000 |
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