Call reports 2013
LYON COUNTY STATE BANK, THE — 2013
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 125,016,000 | 121,902,000 | 117,989,000 | 118,694,000 |
| Total loans | 39,514,000 | 37,765,000 | 36,434,000 | 36,761,000 |
| Allowance for loan losses | 541,000 | 557,000 | 559,000 | 550,000 |
| Securities available for sale | 64,164,000 | 64,092,000 | 64,071,000 | 64,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,893,000 | 107,628,000 | 106,520,000 | 106,353,000 |
| Interest-bearing deposits | 89,118,000 | 85,421,000 | 84,003,000 | 84,500,000 |
| Noninterest-bearing deposits | 23,775,000 | 22,207,000 | 22,517,000 | 21,853,000 |
| Equity capital | 10,332,000 | 8,813,000 | 9,295,000 | 8,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 978,000 | 1,977,000 | 2,844,000 | 3,714,000 |
| Interest expense | 76,000 | 161,000 | 227,000 | 286,000 |
| Net interest income | 902,000 | 1,816,000 | 2,617,000 | 3,428,000 |
| Noninterest income | 301,000 | 625,000 | 956,000 | 1,254,000 |
| Noninterest expense | 976,000 | 1,943,000 | 2,882,000 | 3,805,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 197,000 | 501,000 | 694,000 | 880,000 |
| Income tax | -1,000 | 13,000 | 20,000 | 29,000 |
| Net income | 198,000 | 488,000 | 674,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,142,000 | 9,448,000 | 9,651,000 | 9,644,000 |
| Total capital | 9,683,000 | 10,005,000 | 10,210,000 | 10,194,000 |
| Risk-weighted assets | 53,610,000 | 50,559,000 | 49,076,000 | 49,735,000 |
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