Call reports 2014
LYONS FEDERAL BANK — 2014
What LYONS FEDERAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 87,957,000 | 88,330,000 | 88,442,000 | 90,999,000 |
| Total loans | 57,607,000 | 61,066,000 | 61,733,000 | 65,207,000 |
| Allowance for loan losses | 604,000 | 631,000 | 637,000 | 677,000 |
| Securities available for sale | 1,009,000 | 1,005,000 | 1,000,000 | 996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,345,000 | 74,253,000 | 72,088,000 | 71,828,000 |
| Interest-bearing deposits | 68,200,000 | 65,965,000 | 63,947,000 | 63,634,000 |
| Noninterest-bearing deposits | 7,145,000 | 8,288,000 | 8,141,000 | 8,194,000 |
| Equity capital | 8,919,000 | 9,032,000 | 9,152,000 | 9,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,588,000 | 2,412,000 | 3,274,000 |
| Interest expense | 139,000 | 274,000 | 405,000 | 535,000 |
| Net interest income | 633,000 | 1,314,000 | 2,007,000 | 2,739,000 |
| Noninterest income | 96,000 | 235,000 | 354,000 | 490,000 |
| Noninterest expense | 575,000 | 1,223,000 | 1,817,000 | 2,387,000 |
| Provision for loan losses | 0 | 33,000 | 39,000 | 81,000 |
| Pretax income | 154,000 | 293,000 | 505,000 | 761,000 |
| Income tax | 62,000 | 85,000 | 174,000 | 284,000 |
| Net income | 92,000 | 208,000 | 331,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,621,000 | 8,737,000 | 8,867,000 | 9,020,000 |
| Total capital | 9,225,000 | 9,368,000 | 9,504,000 | 9,697,000 |
| Risk-weighted assets | 58,695,000 | 61,438,000 | 61,790,000 | 65,032,000 |