Call reports 2006
LYON COUNTY STATE BANK, THE — 2006
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 68,316,000 | 72,931,000 | 68,452,000 | 67,691,000 |
| Total loans | 31,522,000 | 33,708,000 | 33,652,000 | 34,131,000 |
| Allowance for loan losses | 967,000 | 929,000 | 923,000 | 913,000 |
| Securities available for sale | 26,812,000 | 27,242,000 | 24,732,000 | 21,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,481,000 | 67,713,000 | 62,679,000 | 61,629,000 |
| Interest-bearing deposits | 49,500,000 | 52,377,000 | 47,508,000 | 47,851,000 |
| Noninterest-bearing deposits | 12,981,000 | 15,336,000 | 15,171,000 | 13,778,000 |
| Equity capital | 4,335,000 | 4,415,000 | 4,854,000 | 5,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,849,000 | 2,845,000 | 3,849,000 |
| Interest expense | 276,000 | 617,000 | 975,000 | 1,297,000 |
| Net interest income | 613,000 | 1,232,000 | 1,870,000 | 2,552,000 |
| Noninterest income | 318,000 | 640,000 | 978,000 | 1,299,000 |
| Noninterest expense | 718,000 | 1,440,000 | 2,187,000 | 2,976,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 432,000 | 661,000 | 822,000 |
| Income tax | 7,000 | 18,000 | 28,000 | 35,000 |
| Net income | 206,000 | 414,000 | 633,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,795,000 | 4,934,000 | 5,107,000 | 5,194,000 |
| Total capital | 5,239,000 | 5,412,000 | 5,569,000 | 5,665,000 |
| Risk-weighted assets | 34,981,000 | 37,806,000 | 36,523,000 | 37,263,000 |