Call reports 2023
LYON COUNTY STATE BANK, THE — 2023
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 190,762,000 | 185,892,000 | 185,964,000 | 191,719,000 |
| Total loans | 103,060,000 | 103,894,000 | 108,236,000 | 113,752,000 |
| Allowance for loan losses | 1,324,000 | 1,395,000 | 1,464,000 | 1,554,000 |
| Securities available for sale | 74,190,000 | 71,159,000 | 67,176,000 | 67,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,455,000 | 160,495,000 | 161,836,000 | 165,445,000 |
| Interest-bearing deposits | 116,055,000 | 115,095,000 | 116,416,000 | 121,172,000 |
| Noninterest-bearing deposits | 49,400,000 | 45,400,000 | 45,420,000 | 44,273,000 |
| Equity capital | 9,889,000 | 9,926,000 | 8,572,000 | 10,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,438,000 | 5,228,000 | 7,209,000 |
| Interest expense | 276,000 | 596,000 | 992,000 | 1,489,000 |
| Net interest income | 1,428,000 | 2,842,000 | 4,236,000 | 5,720,000 |
| Noninterest income | 441,000 | 833,000 | 1,237,000 | 1,654,000 |
| Noninterest expense | 1,238,000 | 2,457,000 | 3,759,000 | 5,035,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 324,000 |
| Pretax income | 564,000 | 1,077,000 | 1,499,000 | 2,025,000 |
| Income tax | 23,000 | 46,000 | 65,000 | 88,000 |
| Net income | 541,000 | 1,031,000 | 1,434,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,091,000 | 15,580,000 | 15,984,000 | 15,486,000 |
| Total capital | 16,213,000 | 16,704,000 | 17,127,000 | 16,676,000 |
| Risk-weighted assets | 89,541,000 | 89,561,000 | 91,073,000 | 94,757,000 |