Call reports 2002
LYON COUNTY STATE BANK, THE — 2002
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 72,093,000 | 69,280,000 | 70,120,000 | 67,946,000 |
| Total loans | 37,557,000 | 36,605,000 | 35,993,000 | 33,594,000 |
| Allowance for loan losses | 798,000 | 847,000 | 818,000 | 757,000 |
| Securities available for sale | 23,869,000 | 24,794,000 | 21,274,000 | 21,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,446,000 | 62,373,000 | 63,634,000 | 61,121,000 |
| Interest-bearing deposits | 55,115,000 | 51,905,000 | 50,967,000 | 49,283,000 |
| Noninterest-bearing deposits | 11,331,000 | 10,468,000 | 12,667,000 | 11,838,000 |
| Equity capital | 5,295,000 | 5,714,000 | 6,020,000 | 6,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,197,000 | 3,219,000 | 4,241,000 |
| Interest expense | 395,000 | 702,000 | 975,000 | 1,198,000 |
| Net interest income | 735,000 | 1,495,000 | 2,244,000 | 3,043,000 |
| Noninterest income | 231,000 | 472,000 | 720,000 | 993,000 |
| Noninterest expense | 739,000 | 1,507,000 | 2,232,000 | 3,037,000 |
| Provision for loan losses | 38,000 | 69,000 | 87,000 | 105,000 |
| Pretax income | 189,000 | 391,000 | 645,000 | 894,000 |
| Income tax | -10,000 | -3,000 | 11,000 | 20,000 |
| Net income | 199,000 | 394,000 | 634,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,919,000 | 5,057,000 | 5,251,000 | 5,420,000 |
| Total capital | 5,434,000 | 5,546,000 | 5,735,000 | 5,878,000 |
| Risk-weighted assets | 40,538,000 | 38,785,000 | 37,996,000 | 36,026,000 |