Call reports 2015
LYONS FEDERAL BANK — 2015
What LYONS FEDERAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,283,000 | 87,513,000 | 83,959,000 | 83,406,000 |
| Total loans | 65,198,000 | 67,108,000 | 66,641,000 | 67,104,000 |
| Allowance for loan losses | 690,000 | 710,000 | 721,000 | 740,000 |
| Securities available for sale | 1,010,000 | 1,001,000 | 1,021,000 | 1,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,517,000 | 67,772,000 | 64,039,000 | 66,226,000 |
| Interest-bearing deposits | 60,120,000 | 61,214,000 | 56,293,000 | 57,273,000 |
| Noninterest-bearing deposits | 7,397,000 | 6,558,000 | 7,746,000 | 8,953,000 |
| Equity capital | 9,437,000 | 9,563,000 | 9,732,000 | 9,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,695,000 | 2,544,000 | 3,404,000 |
| Interest expense | 123,000 | 247,000 | 367,000 | 488,000 |
| Net interest income | 712,000 | 1,448,000 | 2,177,000 | 2,916,000 |
| Noninterest income | 130,000 | 289,000 | 441,000 | 598,000 |
| Noninterest expense | 609,000 | 1,306,000 | 1,927,000 | 2,602,000 |
| Provision for loan losses | 13,000 | 33,000 | 44,000 | 63,000 |
| Pretax income | 220,000 | 398,000 | 647,000 | 849,000 |
| Income tax | 88,000 | 134,000 | 226,000 | 300,000 |
| Net income | 132,000 | 264,000 | 421,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,243,000 | 9,378,000 | 9,536,000 | 9,668,000 |
| Total capital | 9,933,000 | 10,113,000 | 10,282,000 | 10,448,000 |
| Risk-weighted assets | 63,214,000 | 66,345,000 | 62,834,000 | 66,341,000 |