Call reports 2005
BANK OF LAWRENCE COUNTY, THE — 2005
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,739,000 | 33,258,000 | 34,843,000 | 46,184,000 |
| Total loans | 12,937,000 | 12,467,000 | 12,387,000 | 12,113,000 |
| Allowance for loan losses | 74,000 | 77,000 | 80,000 | 83,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,293,000 | 6,060,000 | 6,057,000 | 6,544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,742,000 | 27,151,000 | 28,622,000 | 39,841,000 |
| Interest-bearing deposits | 18,646,000 | 19,996,000 | 24,203,000 | 34,100,000 |
| Noninterest-bearing deposits | 7,096,000 | 7,155,000 | 4,419,000 | 5,741,000 |
| Equity capital | 4,682,000 | 4,786,000 | 4,892,000 | 5,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 319,000 | 672,000 | 1,060,000 | 1,527,000 |
| Interest expense | 83,000 | 185,000 | 323,000 | 521,000 |
| Net interest income | 236,000 | 487,000 | 737,000 | 1,006,000 |
| Noninterest income | 9,000 | 18,000 | 29,000 | 40,000 |
| Noninterest expense | 161,000 | 314,000 | 466,000 | 618,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 81,000 | 185,000 | 291,000 | 416,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 81,000 | 185,000 | 291,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,682,000 | 4,786,000 | 4,892,000 | 5,017,000 |
| Total capital | 4,756,000 | 4,863,000 | 4,972,000 | 5,100,000 |
| Risk-weighted assets | 13,168,000 | 13,201,000 | 13,365,000 | 15,269,000 |
Machine access — free, no API key
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