Call reports 2012
LYON COUNTY STATE BANK, THE — 2012
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 93,859,000 | 89,262,000 | 128,360,000 | 123,574,000 |
| Total loans | 27,208,000 | 26,330,000 | 43,754,000 | 41,339,000 |
| Allowance for loan losses | 475,000 | 460,000 | 517,000 | 511,000 |
| Securities available for sale | 52,949,000 | 49,530,000 | 58,477,000 | 58,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,428,000 | 78,445,000 | 114,337,000 | 111,469,000 |
| Interest-bearing deposits | 59,905,000 | 59,341,000 | 88,072,000 | 88,653,000 |
| Noninterest-bearing deposits | 22,523,000 | 19,104,000 | 26,265,000 | 22,816,000 |
| Equity capital | 8,579,000 | 8,987,000 | 11,262,000 | 10,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,469,000 | 2,342,000 | 3,308,000 |
| Interest expense | 60,000 | 120,000 | 204,000 | 293,000 |
| Net interest income | 661,000 | 1,349,000 | 2,138,000 | 3,015,000 |
| Noninterest income | 260,000 | 528,000 | 1,451,000 | 808,000 |
| Noninterest expense | 779,000 | 1,546,000 | 3,302,000 | 4,292,000 |
| Provision for loan losses | 6,000 | 12,000 | 69,000 | 75,000 |
| Pretax income | 136,000 | 417,000 | 316,000 | -446,000 |
| Income tax | 6,000 | 14,000 | 16,000 | 0 |
| Net income | 130,000 | 403,000 | 300,000 | -446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,706,000 | 7,979,000 | 9,657,000 | 8,927,000 |
| Total capital | 8,173,000 | 8,439,000 | 10,174,000 | 9,438,000 |
| Risk-weighted assets | 37,369,000 | 38,633,000 | 61,187,000 | 55,725,000 |