Call reports 2011
BANK OF LAWRENCE COUNTY, THE — 2011
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 41,634,000 | 41,545,000 | 46,691,000 | 44,834,000 |
| Total loans | 11,543,000 | 11,658,000 | 11,618,000 | 12,938,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 62,000 | 62,000 | 62,000 | 62,000 |
| Securities held to maturity | 4,877,000 | 7,375,000 | 9,784,000 | 13,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,060,000 | 35,921,000 | 40,978,000 | 39,030,000 |
| Interest-bearing deposits | 29,518,000 | 30,031,000 | 32,574,000 | 32,306,000 |
| Noninterest-bearing deposits | 6,542,000 | 5,890,000 | 8,404,000 | 6,724,000 |
| Equity capital | 5,126,000 | 5,175,000 | 5,260,000 | 5,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 271,000 | 549,000 | 850,000 | 1,182,000 |
| Interest expense | 58,000 | 114,000 | 166,000 | 219,000 |
| Net interest income | 213,000 | 435,000 | 684,000 | 963,000 |
| Noninterest income | 10,000 | 19,000 | 31,000 | 43,000 |
| Noninterest expense | 176,000 | 358,000 | 533,000 | 724,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 96,000 | 182,000 | 282,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 46,000 | 95,000 | 180,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,126,000 | 5,175,000 | 5,260,000 | 5,360,000 |
| Total capital | 5,226,000 | 5,275,000 | 5,360,000 | 5,460,000 |
| Risk-weighted assets | 8,928,000 | 9,514,000 | 9,991,000 | 16,476,000 |