Call reports 2003
LYON COUNTY STATE BANK, THE — 2003
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,640,000 | 64,690,000 | 66,625,000 | 65,349,000 |
| Total loans | 32,391,000 | 33,230,000 | 32,334,000 | 31,312,000 |
| Allowance for loan losses | 852,000 | 862,000 | 885,000 | 962,000 |
| Securities available for sale | 22,271,000 | 21,953,000 | 19,961,000 | 23,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,799,000 | 58,008,000 | 60,553,000 | 59,315,000 |
| Interest-bearing deposits | 49,702,000 | 48,032,000 | 48,470,000 | 47,424,000 |
| Noninterest-bearing deposits | 11,097,000 | 9,976,000 | 12,083,000 | 11,891,000 |
| Equity capital | 5,357,000 | 5,553,000 | 5,497,000 | 5,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,822,000 | 2,693,000 | 3,497,000 |
| Interest expense | 189,000 | 369,000 | 531,000 | 680,000 |
| Net interest income | 713,000 | 1,453,000 | 2,162,000 | 2,817,000 |
| Noninterest income | 360,000 | 623,000 | 869,000 | 1,154,000 |
| Noninterest expense | 708,000 | 1,429,000 | 2,180,000 | 3,001,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 265,000 | 547,000 | 751,000 | 870,000 |
| Income tax | 6,000 | 19,000 | 30,000 | 37,000 |
| Net income | 259,000 | 528,000 | 721,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,702,000 | 4,891,000 | 4,997,000 | 5,089,000 |
| Total capital | 5,148,000 | 5,339,000 | 5,442,000 | 5,522,000 |
| Risk-weighted assets | 34,943,000 | 34,835,000 | 34,884,000 | 33,859,000 |