Call reports 2005
LYON COUNTY STATE BANK, THE — 2005
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,829,000 | 66,539,000 | 67,849,000 | 65,377,000 |
| Total loans | 33,249,000 | 34,937,000 | 32,572,000 | 31,528,000 |
| Allowance for loan losses | 995,000 | 971,000 | 980,000 | 961,000 |
| Securities available for sale | 23,908,000 | 22,591,000 | 22,302,000 | 23,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,754,000 | 58,630,000 | 62,565,000 | 60,073,000 |
| Interest-bearing deposits | 45,271,000 | 46,401,000 | 46,635,000 | 45,856,000 |
| Noninterest-bearing deposits | 13,483,000 | 12,229,000 | 15,930,000 | 14,217,000 |
| Equity capital | 4,486,000 | 4,823,000 | 4,894,000 | 4,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,601,000 | 2,501,000 | 3,350,000 |
| Interest expense | 150,000 | 330,000 | 544,000 | 776,000 |
| Net interest income | 631,000 | 1,271,000 | 1,957,000 | 2,574,000 |
| Noninterest income | 250,000 | 539,000 | 828,000 | 1,158,000 |
| Noninterest expense | 684,000 | 1,380,000 | 2,105,000 | 2,914,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 197,000 | 430,000 | 680,000 | 818,000 |
| Income tax | 5,000 | 16,000 | 28,000 | 39,000 |
| Net income | 192,000 | 414,000 | 652,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,744,000 | 4,904,000 | 5,086,000 | 5,235,000 |
| Total capital | 5,192,000 | 5,364,000 | 5,526,000 | 5,669,000 |
| Risk-weighted assets | 35,168,000 | 36,201,000 | 34,551,000 | 34,166,000 |