Call reports 2016
LYONS STATE BANK — 2016
What LYONS STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 97,563,000 | 100,172,000 | 97,766,000 | 96,366,000 |
| Total loans | 66,586,000 | 69,006,000 | 66,621,000 | 64,378,000 |
| Allowance for loan losses | 1,328,000 | 1,329,000 | 1,255,000 | 1,116,000 |
| Securities available for sale | 22,652,000 | 22,465,000 | 22,744,000 | 23,812,000 |
| Securities held to maturity | 5,487,000 | 5,480,000 | 4,874,000 | 4,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,447,000 | 81,842,000 | 77,175,000 | 80,536,000 |
| Interest-bearing deposits | 70,931,000 | 70,044,000 | 65,947,000 | 69,761,000 |
| Noninterest-bearing deposits | 12,516,000 | 11,798,000 | 11,228,000 | 10,775,000 |
| Equity capital | 11,125,000 | 11,303,000 | 11,356,000 | 10,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,092,000 | 3,148,000 | 4,118,000 |
| Interest expense | 123,000 | 247,000 | 371,000 | 492,000 |
| Net interest income | 884,000 | 1,845,000 | 2,777,000 | 3,626,000 |
| Noninterest income | 197,000 | 361,000 | 458,000 | 347,000 |
| Noninterest expense | 885,000 | 1,703,000 | 2,455,000 | 2,960,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 350,000 |
| Pretax income | 196,000 | 503,000 | 704,000 | 687,000 |
| Income tax | 9,000 | 17,000 | 17,000 | 13,000 |
| Net income | 187,000 | 486,000 | 687,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,854,000 | 10,903,000 | 10,999,000 | 10,986,000 |
| Total capital | 11,760,000 | 11,825,000 | 11,929,000 | 11,922,000 |
| Risk-weighted assets | 72,104,000 | 73,425,000 | 74,048,000 | 74,766,000 |