Call reports 2013
LYONS FEDERAL BANK — 2013
What LYONS FEDERAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 83,897,000 | 83,053,000 | 83,536,000 | 85,949,000 |
| Total loans | 54,626,000 | 57,310,000 | 56,388,000 | 58,880,000 |
| Allowance for loan losses | 586,000 | 589,000 | 593,000 | 604,000 |
| Securities available for sale | 0 | 0 | 0 | 1,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,451,000 | 67,367,000 | 70,148,000 | 72,538,000 |
| Interest-bearing deposits | 64,350,000 | 61,490,000 | 63,977,000 | 67,214,000 |
| Noninterest-bearing deposits | 7,101,000 | 5,877,000 | 6,171,000 | 5,324,000 |
| Equity capital | 8,620,000 | 8,696,000 | 8,782,000 | 8,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,600,000 | 2,392,000 | 3,172,000 |
| Interest expense | 165,000 | 325,000 | 477,000 | 624,000 |
| Net interest income | 620,000 | 1,275,000 | 1,915,000 | 2,548,000 |
| Noninterest income | 130,000 | 224,000 | 328,000 | 442,000 |
| Noninterest expense | 571,000 | 1,236,000 | 1,826,000 | 2,436,000 |
| Provision for loan losses | 5,000 | 8,000 | 12,000 | 23,000 |
| Pretax income | 174,000 | 255,000 | 405,000 | 531,000 |
| Income tax | 72,000 | 77,000 | 141,000 | 228,000 |
| Net income | 102,000 | 178,000 | 264,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,295,000 | 8,378,000 | 8,470,000 | 8,516,000 |
| Total capital | 8,881,000 | 8,967,000 | 9,063,000 | 9,120,000 |
| Risk-weighted assets | 60,273,000 | 62,414,000 | 59,659,000 | 59,032,000 |