Call reports 2014
LYONS STATE BANK — 2014
What LYONS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 99,420,000 | 100,938,000 | 99,420,000 | 104,807,000 |
| Total loans | 56,302,000 | 63,108,000 | 62,279,000 | 67,954,000 |
| Allowance for loan losses | 1,652,000 | 1,644,000 | 1,658,000 | 1,654,000 |
| Securities available for sale | 27,411,000 | 26,961,000 | 26,402,000 | 25,916,000 |
| Securities held to maturity | 7,194,000 | 7,186,000 | 6,979,000 | 6,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,893,000 | 83,082,000 | 86,117,000 | 91,324,000 |
| Interest-bearing deposits | 71,898,000 | 70,400,000 | 71,370,000 | 77,258,000 |
| Noninterest-bearing deposits | 13,995,000 | 12,682,000 | 14,747,000 | 14,066,000 |
| Equity capital | 8,992,000 | 9,332,000 | 9,686,000 | 10,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,888,000 | 2,917,000 | 3,941,000 |
| Interest expense | 171,000 | 305,000 | 436,000 | 557,000 |
| Net interest income | 802,000 | 1,583,000 | 2,481,000 | 3,384,000 |
| Noninterest income | 61,000 | 187,000 | 269,000 | 456,000 |
| Noninterest expense | 666,000 | 1,361,000 | 1,926,000 | 2,769,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 197,000 | 411,000 | 826,000 | 1,076,000 |
| Income tax | 398,000 | 375,000 | 407,000 | 420,000 |
| Net income | -201,000 | 36,000 | 419,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,285,000 | 9,522,000 | 9,826,000 | 10,063,000 |
| Total capital | 10,086,000 | 10,390,000 | 10,706,000 | 11,004,000 |
| Risk-weighted assets | 63,213,000 | 68,734,000 | 69,682,000 | 74,573,000 |