Call reports 2015
LYON COUNTY STATE BANK, THE — 2015
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 159,027,000 | 155,959,000 | 151,968,000 | 149,763,000 |
| Total loans | 39,334,000 | 42,181,000 | 43,968,000 | 45,196,000 |
| Allowance for loan losses | 526,000 | 539,000 | 549,000 | 562,000 |
| Securities available for sale | 96,872,000 | 95,641,000 | 87,599,000 | 86,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,935,000 | 134,335,000 | 136,988,000 | 133,606,000 |
| Interest-bearing deposits | 111,505,000 | 104,849,000 | 105,534,000 | 103,802,000 |
| Noninterest-bearing deposits | 32,430,000 | 29,486,000 | 31,454,000 | 29,804,000 |
| Equity capital | 12,574,000 | 12,178,000 | 13,091,000 | 12,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,060,000 | 3,107,000 | 4,180,000 |
| Interest expense | 58,000 | 116,000 | 176,000 | 235,000 |
| Net interest income | 978,000 | 1,944,000 | 2,931,000 | 3,945,000 |
| Noninterest income | 380,000 | 776,000 | 1,191,000 | 1,595,000 |
| Noninterest expense | 1,176,000 | 2,389,000 | 3,631,000 | 4,918,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 168,000 | 302,000 | 510,000 | 635,000 |
| Income tax | -3,000 | 3,000 | 12,000 | 18,000 |
| Net income | 171,000 | 299,000 | 498,000 | 617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,870,000 | 12,006,000 | 12,213,000 | 12,339,000 |
| Total capital | 12,396,000 | 12,545,000 | 12,762,000 | 12,901,000 |
| Risk-weighted assets | 57,450,000 | 60,116,000 | 58,010,000 | 58,125,000 |