Call reports 2012
BANK OF LAWRENCE COUNTY, THE — 2012
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 46,817,000 | 47,732,000 | 50,011,000 | 48,770,000 |
| Total loans | 13,415,000 | 13,441,000 | 12,922,000 | 13,202,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,787,000 | 14,284,000 | 16,779,000 | 18,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,124,000 | 41,947,000 | 44,128,000 | 42,788,000 |
| Interest-bearing deposits | 33,099,000 | 34,141,000 | 34,865,000 | 31,949,000 |
| Noninterest-bearing deposits | 8,025,000 | 7,806,000 | 9,263,000 | 10,839,000 |
| Equity capital | 5,243,000 | 5,329,000 | 5,433,000 | 5,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 648,000 | 978,000 | 1,318,000 |
| Interest expense | 50,000 | 101,000 | 153,000 | 199,000 |
| Net interest income | 278,000 | 547,000 | 825,000 | 1,119,000 |
| Noninterest income | 13,000 | 23,000 | 34,000 | 52,000 |
| Noninterest expense | 189,000 | 382,000 | 566,000 | 773,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 102,000 | 188,000 | 293,000 | 398,000 |
| Income tax | 3,000 | 3,000 | 4,000 | 4,000 |
| Net income | 99,000 | 185,000 | 289,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,243,000 | 5,329,000 | 5,433,000 | 5,538,000 |
| Total capital | 5,343,000 | 5,429,000 | 5,533,000 | 5,638,000 |
| Risk-weighted assets | 16,805,000 | 16,067,000 | 15,843,000 | 17,106,000 |