Call reports 2007
BANK OF LAWRENCE COUNTY, THE — 2007
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 41,292,000 | 40,738,000 | 40,838,000 | 41,849,000 |
| Total loans | 11,129,000 | 10,976,000 | 10,446,000 | 10,472,000 |
| Allowance for loan losses | 98,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,104,000 | 7,602,000 | 8,099,000 | 5,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,528,000 | 35,203,000 | 35,171,000 | 36,080,000 |
| Interest-bearing deposits | 31,889,000 | 31,779,000 | 31,174,000 | 31,538,000 |
| Noninterest-bearing deposits | 3,639,000 | 3,424,000 | 3,997,000 | 4,541,000 |
| Equity capital | 4,949,000 | 5,071,000 | 5,185,000 | 5,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 588,000 | 1,159,000 | 1,711,000 | 2,264,000 |
| Interest expense | 279,000 | 557,000 | 833,000 | 1,100,000 |
| Net interest income | 309,000 | 602,000 | 878,000 | 1,164,000 |
| Noninterest income | 9,000 | 19,000 | 30,000 | 44,000 |
| Noninterest expense | 178,000 | 356,000 | 528,000 | 714,000 |
| Provision for loan losses | 3,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 137,000 | 260,000 | 375,000 | 489,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 4,000 |
| Net income | 135,000 | 257,000 | 371,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,949,000 | 5,071,000 | 5,185,000 | 5,299,000 |
| Total capital | 5,047,000 | 5,171,000 | 5,285,000 | 5,399,000 |
| Risk-weighted assets | 13,609,000 | 13,494,000 | 13,096,000 | 13,362,000 |
Machine access — free, no API key
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