Call reports 2015
LYONS STATE BANK — 2015
What LYONS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 101,964,000 | 102,932,000 | 98,819,000 | 102,788,000 |
| Total loans | 64,768,000 | 66,950,000 | 64,929,000 | 69,183,000 |
| Allowance for loan losses | 1,671,000 | 1,662,000 | 1,368,000 | 1,312,000 |
| Securities available for sale | 25,556,000 | 25,410,000 | 24,863,000 | 23,825,000 |
| Securities held to maturity | 6,759,000 | 6,733,000 | 6,176,000 | 5,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,155,000 | 83,329,000 | 81,006,000 | 79,655,000 |
| Interest-bearing deposits | 74,186,000 | 69,314,000 | 48,528,000 | 67,265,000 |
| Noninterest-bearing deposits | 13,969,000 | 14,015,000 | 32,478,000 | 12,390,000 |
| Equity capital | 10,300,000 | 10,478,000 | 10,890,000 | 11,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,045,000 | 2,083,000 | 3,157,000 | 4,209,000 |
| Interest expense | 157,000 | 278,000 | 394,000 | 510,000 |
| Net interest income | 888,000 | 1,805,000 | 2,763,000 | 3,699,000 |
| Noninterest income | 39,000 | 68,000 | 239,000 | 472,000 |
| Noninterest expense | 676,000 | 1,261,000 | 2,037,000 | 2,916,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 251,000 | 625,000 | 983,000 | 1,276,000 |
| Income tax | 17,000 | 31,000 | 46,000 | 59,000 |
| Net income | 234,000 | 594,000 | 937,000 | 1,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,145,000 | 10,505,000 | 10,768,000 | 11,048,000 |
| Total capital | 11,033,000 | 11,406,000 | 11,697,000 | 12,061,000 |
| Risk-weighted assets | 70,306,000 | 71,359,000 | 73,898,000 | 80,750,000 |