Call reports 2007
LYON COUNTY STATE BANK, THE — 2007
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 66,591,000 | 70,838,000 | 74,455,000 | 69,021,000 |
| Total loans | 33,743,000 | 33,519,000 | 33,988,000 | 33,583,000 |
| Allowance for loan losses | 922,000 | 897,000 | 831,000 | 820,000 |
| Securities available for sale | 20,431,000 | 25,197,000 | 27,876,000 | 25,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,163,000 | 63,113,000 | 67,918,000 | 62,092,000 |
| Interest-bearing deposits | 45,758,000 | 49,561,000 | 52,783,000 | 47,532,000 |
| Noninterest-bearing deposits | 14,405,000 | 13,552,000 | 15,135,000 | 14,560,000 |
| Equity capital | 5,376,000 | 4,861,000 | 5,307,000 | 5,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,073,000 | 3,201,000 | 4,272,000 |
| Interest expense | 328,000 | 629,000 | 1,023,000 | 1,376,000 |
| Net interest income | 723,000 | 1,444,000 | 2,178,000 | 2,896,000 |
| Noninterest income | 371,000 | 744,000 | 1,108,000 | 1,506,000 |
| Noninterest expense | 776,000 | 1,603,000 | 2,488,000 | 3,368,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 318,000 | 585,000 | 798,000 | 1,034,000 |
| Income tax | 14,000 | 26,000 | 36,000 | 47,000 |
| Net income | 304,000 | 559,000 | 762,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,443,000 | 5,143,000 | 5,256,000 | 5,409,000 |
| Total capital | 5,909,000 | 5,621,000 | 5,754,000 | 5,891,000 |
| Risk-weighted assets | 36,839,000 | 37,785,000 | 39,471,000 | 38,233,000 |