Call reports 2025
LYON COUNTY STATE BANK, THE — 2025
What LYON COUNTY STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 206,011,000 | 207,647,000 | 207,450,000 | 213,553,000 |
| Total loans | 133,703,000 | 137,331,000 | 140,029,000 | 142,337,000 |
| Allowance for loan losses | 1,797,000 | 1,823,000 | 1,849,000 | 1,892,000 |
| Securities available for sale | 56,188,000 | 54,118,000 | 52,748,000 | 51,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,929,000 | 177,406,000 | 180,523,000 | 185,223,000 |
| Interest-bearing deposits | 130,411,000 | 132,344,000 | 134,316,000 | 138,226,000 |
| Noninterest-bearing deposits | 46,518,000 | 45,062,000 | 46,207,000 | 46,997,000 |
| Equity capital | 13,502,000 | 14,678,000 | 16,272,000 | 17,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,353,000 | 4,864,000 | 7,401,000 | 10,068,000 |
| Interest expense | 704,000 | 1,418,000 | 2,113,000 | 2,813,000 |
| Net interest income | 1,649,000 | 3,446,000 | 5,288,000 | 7,255,000 |
| Noninterest income | 395,000 | 778,000 | 1,161,000 | 1,866,000 |
| Noninterest expense | 1,399,000 | 2,802,000 | 4,209,000 | 5,716,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 135,000 |
| Pretax income | 614,000 | 1,363,000 | 2,137,000 | 3,258,000 |
| Income tax | 8,000 | 39,000 | 70,000 | 116,000 |
| Net income | 606,000 | 1,324,000 | 2,067,000 | 3,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,489,000 | 18,208,000 | 18,950,000 | 20,026,000 |
| Total capital | 18,798,000 | 19,536,000 | 20,276,000 | 21,373,000 |
| Risk-weighted assets | 104,175,000 | 105,709,000 | 105,474,000 | 107,127,000 |