Call reports 2012
LYONS FEDERAL BANK — 2012
What LYONS FEDERAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,817,000 | 81,821,000 | 80,173,000 | 84,788,000 |
| Total loans | 52,977,000 | 52,225,000 | 53,764,000 | 54,555,000 |
| Allowance for loan losses | 509,000 | 531,000 | 571,000 | 581,000 |
| Securities available for sale | 201,000 | 188,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,454,000 | 69,343,000 | 65,067,000 | 67,877,000 |
| Interest-bearing deposits | 62,113,000 | 63,894,000 | 59,369,000 | 61,917,000 |
| Noninterest-bearing deposits | 5,341,000 | 5,449,000 | 5,698,000 | 5,960,000 |
| Equity capital | 8,112,000 | 8,216,000 | 8,373,000 | 8,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,620,000 | 2,454,000 | 3,272,000 |
| Interest expense | 197,000 | 394,000 | 586,000 | 767,000 |
| Net interest income | 584,000 | 1,226,000 | 1,868,000 | 2,505,000 |
| Noninterest income | 73,000 | 213,000 | 358,000 | 552,000 |
| Noninterest expense | 512,000 | 1,132,000 | 1,644,000 | 2,255,000 |
| Provision for loan losses | 38,000 | 60,000 | 101,000 | 111,000 |
| Pretax income | 107,000 | 247,000 | 481,000 | 691,000 |
| Income tax | 70,000 | 106,000 | 181,000 | 244,000 |
| Net income | 37,000 | 141,000 | 300,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,996,000 | 8,101,000 | 8,021,000 | 8,184,000 |
| Total capital | 8,505,000 | 8,632,000 | 8,592,000 | 8,765,000 |
| Risk-weighted assets | 55,967,000 | 56,114,000 | 56,846,000 | 60,824,000 |