Call reports 2004
BANK OF LAWRENCE COUNTY, THE — 2004
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,955,000 | 26,757,000 | 30,989,000 | 31,012,000 |
| Total loans | 10,921,000 | 10,300,000 | 10,792,000 | 10,474,000 |
| Allowance for loan losses | 62,000 | 65,000 | 68,000 | 71,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,337,000 | 3,836,000 | 3,427,000 | 4,822,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,587,000 | 21,361,000 | 25,533,000 | 25,484,000 |
| Interest-bearing deposits | 15,925,000 | 15,620,000 | 18,759,000 | 18,237,000 |
| Noninterest-bearing deposits | 4,662,000 | 5,741,000 | 6,774,000 | 7,247,000 |
| Equity capital | 4,581,000 | 4,614,000 | 4,672,000 | 4,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 444,000 | 691,000 | 973,000 |
| Interest expense | 50,000 | 95,000 | 145,000 | 207,000 |
| Net interest income | 172,000 | 349,000 | 546,000 | 766,000 |
| Noninterest income | 9,000 | 20,000 | 30,000 | 38,000 |
| Noninterest expense | 143,000 | 295,000 | 441,000 | 593,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 35,000 | 68,000 | 126,000 | 199,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 68,000 | 126,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,581,000 | 4,614,000 | 4,672,000 | 4,745,000 |
| Total capital | 4,643,000 | 4,679,000 | 4,740,000 | 4,816,000 |
| Risk-weighted assets | 11,474,000 | 11,214,000 | 11,966,000 | 12,171,000 |
Machine access — free, no API key
Every figure shown here about BANK OF LAWRENCE COUNTY, THE — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.