Call reports 2016
LYONS FEDERAL BANK — 2016
What LYONS FEDERAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 81,263,000 | 83,352,000 | 81,551,000 | 81,622,000 |
| Total loans | 65,597,000 | 66,174,000 | 63,799,000 | 65,100,000 |
| Allowance for loan losses | 749,000 | 779,000 | 795,000 | 811,000 |
| Securities available for sale | 1,014,000 | 1,020,000 | 1,015,000 | 1,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,579,000 | 64,643,000 | 63,776,000 | 64,546,000 |
| Interest-bearing deposits | 55,885,000 | 55,462,000 | 55,896,000 | 56,376,000 |
| Noninterest-bearing deposits | 7,694,000 | 9,181,000 | 7,880,000 | 8,170,000 |
| Equity capital | 9,997,000 | 10,165,000 | 10,345,000 | 10,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 827,000 | 1,675,000 | 2,518,000 | 3,337,000 |
| Interest expense | 117,000 | 235,000 | 351,000 | 469,000 |
| Net interest income | 710,000 | 1,440,000 | 2,167,000 | 2,868,000 |
| Noninterest income | 147,000 | 289,000 | 492,000 | 636,000 |
| Noninterest expense | 618,000 | 1,218,000 | 1,851,000 | 2,481,000 |
| Provision for loan losses | 9,000 | 39,000 | 55,000 | 71,000 |
| Pretax income | 230,000 | 472,000 | 753,000 | 952,000 |
| Income tax | 88,000 | 167,000 | 264,000 | 332,000 |
| Net income | 142,000 | 305,000 | 489,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,789,000 | 9,957,000 | 10,144,000 | 10,279,000 |
| Total capital | 10,578,000 | 10,776,000 | 10,941,000 | 11,112,000 |
| Risk-weighted assets | 65,330,000 | 66,387,000 | 63,716,000 | 66,611,000 |