Call reports 2010
LYONS STATE BANK — 2010
What LYONS STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 103,315,000 | 103,791,000 | 101,295,000 | 109,671,000 |
| Total loans | 60,029,000 | 60,942,000 | 62,654,000 | 66,378,000 |
| Allowance for loan losses | 1,201,000 | 1,205,000 | 1,394,000 | 1,348,000 |
| Securities available for sale | 21,206,000 | 22,169,000 | 18,747,000 | 17,654,000 |
| Securities held to maturity | 15,334,000 | 15,325,000 | 14,991,000 | 14,488,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,508,000 | 90,811,000 | 89,245,000 | 98,733,000 |
| Interest-bearing deposits | 81,302,000 | 80,729,000 | 79,391,000 | 87,621,000 |
| Noninterest-bearing deposits | 11,206,000 | 10,082,000 | 9,854,000 | 11,112,000 |
| Equity capital | 7,801,000 | 7,912,000 | 8,136,000 | 8,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,176,000 | 2,377,000 | 3,614,000 | 4,868,000 |
| Interest expense | 300,000 | 603,000 | 891,000 | 1,179,000 |
| Net interest income | 876,000 | 1,774,000 | 2,723,000 | 3,689,000 |
| Noninterest income | 91,000 | 175,000 | 277,000 | 308,000 |
| Noninterest expense | 803,000 | 1,683,000 | 2,479,000 | 3,380,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 266,000 | 521,000 | 617,000 |
| Income tax | 14,000 | 80,000 | 127,000 | 185,000 |
| Net income | 150,000 | 186,000 | 394,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,552,000 | 7,588,000 | 7,797,000 | 7,835,000 |
| Total capital | 8,448,000 | 8,496,000 | 8,754,000 | 8,779,000 |
| Risk-weighted assets | 71,415,000 | 72,362,000 | 76,133,000 | 75,128,000 |