Call reports 2006
BANK OF LAWRENCE COUNTY, THE — 2006
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 44,331,000 | 47,987,000 | 47,863,000 | 42,215,000 |
| Total loans | 11,185,000 | 11,771,000 | 11,274,000 | 11,633,000 |
| Allowance for loan losses | 86,000 | 89,000 | 92,000 | 95,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,317,000 | 6,315,000 | 7,814,000 | 6,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,182,000 | 41,689,000 | 41,389,000 | 36,115,000 |
| Interest-bearing deposits | 31,305,000 | 37,407,000 | 37,273,000 | 32,000,000 |
| Noninterest-bearing deposits | 6,877,000 | 4,282,000 | 4,116,000 | 4,115,000 |
| Equity capital | 4,810,000 | 4,966,000 | 5,129,000 | 5,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 526,000 | 1,133,000 | 1,802,000 | 2,419,000 |
| Interest expense | 243,000 | 546,000 | 894,000 | 1,191,000 |
| Net interest income | 283,000 | 587,000 | 908,000 | 1,228,000 |
| Noninterest income | 10,000 | 19,000 | 30,000 | 38,000 |
| Noninterest expense | 161,000 | 315,000 | 481,000 | 639,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 129,000 | 285,000 | 448,000 | 615,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 129,000 | 285,000 | 448,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,810,000 | 4,966,000 | 5,129,000 | 5,294,000 |
| Total capital | 4,896,000 | 5,055,000 | 5,221,000 | 5,389,000 |
| Risk-weighted assets | 14,617,000 | 15,216,000 | 14,736,000 | 13,919,000 |
Machine access — free, no API key
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