Call reports 2004
LYON COUNTY STATE BANK, THE — 2004
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 63,851,000 | 67,039,000 | 65,907,000 | 64,876,000 |
| Total loans | 31,415,000 | 32,672,000 | 32,113,000 | 32,722,000 |
| Allowance for loan losses | 944,000 | 971,000 | 987,000 | 991,000 |
| Securities available for sale | 22,516,000 | 21,420,000 | 24,117,000 | 24,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,410,000 | 61,856,000 | 60,326,000 | 58,478,000 |
| Interest-bearing deposits | 47,220,000 | 50,745,000 | 47,278,000 | 45,314,000 |
| Noninterest-bearing deposits | 11,190,000 | 11,111,000 | 13,048,000 | 13,164,000 |
| Equity capital | 5,285,000 | 4,995,000 | 5,375,000 | 5,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,564,000 | 2,324,000 | 3,087,000 |
| Interest expense | 139,000 | 269,000 | 403,000 | 533,000 |
| Net interest income | 646,000 | 1,295,000 | 1,921,000 | 2,554,000 |
| Noninterest income | 263,000 | 558,000 | 872,000 | 1,156,000 |
| Noninterest expense | 738,000 | 1,466,000 | 2,199,000 | 2,991,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 171,000 | 387,000 | 594,000 | 719,000 |
| Income tax | -34,000 | -24,000 | -13,000 | -6,000 |
| Net income | 205,000 | 411,000 | 607,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,775,000 | 4,940,000 | 5,084,000 | 5,154,000 |
| Total capital | 5,203,000 | 5,385,000 | 5,524,000 | 5,603,000 |
| Risk-weighted assets | 33,465,000 | 34,878,000 | 34,440,000 | 35,232,000 |