Call reports 2016
LYON COUNTY STATE BANK, THE — 2016
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 149,670,000 | 146,564,000 | 149,714,000 | 147,146,000 |
| Total loans | 48,326,000 | 53,053,000 | 55,236,000 | 56,903,000 |
| Allowance for loan losses | 562,000 | 558,000 | 578,000 | 647,000 |
| Securities available for sale | 82,519,000 | 74,064,000 | 72,557,000 | 72,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,157,000 | 131,228,000 | 135,279,000 | 134,325,000 |
| Interest-bearing deposits | 104,585,000 | 102,683,000 | 105,048,000 | 103,399,000 |
| Noninterest-bearing deposits | 30,572,000 | 28,545,000 | 30,231,000 | 30,926,000 |
| Equity capital | 12,793,000 | 13,730,000 | 12,602,000 | 11,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,144,000 | 3,232,000 | 4,360,000 |
| Interest expense | 68,000 | 135,000 | 204,000 | 272,000 |
| Net interest income | 984,000 | 2,009,000 | 3,028,000 | 4,088,000 |
| Noninterest income | 389,000 | 790,000 | 1,666,000 | 2,292,000 |
| Noninterest expense | 1,177,000 | 2,358,000 | 3,556,000 | 5,116,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 100,000 |
| Pretax income | 254,000 | 688,000 | 1,360,000 | 1,411,000 |
| Income tax | 15,000 | 34,000 | 63,000 | 65,000 |
| Net income | 239,000 | 654,000 | 1,297,000 | 1,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,559,000 | 11,987,000 | 11,191,000 | 11,253,000 |
| Total capital | 12,121,000 | 12,545,000 | 11,769,000 | 11,900,000 |
| Risk-weighted assets | 61,760,000 | 61,634,000 | 61,949,000 | 63,320,000 |