Call reports 2013
BANK OF LAWRENCE COUNTY, THE — 2013
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 49,451,000 | 42,202,000 | 45,700,000 | 51,691,000 |
| Total loans | 12,709,000 | 12,224,000 | 11,419,000 | 11,139,000 |
| Allowance for loan losses | 100,000 | 100,000 | 100,000 | 51,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,305,000 | 17,805,000 | 17,805,000 | 17,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,637,000 | 36,295,000 | 39,727,000 | 45,686,000 |
| Interest-bearing deposits | 31,844,000 | 25,424,000 | 27,598,000 | 37,432,000 |
| Noninterest-bearing deposits | 11,793,000 | 10,871,000 | 12,129,000 | 8,254,000 |
| Equity capital | 5,355,000 | 5,451,000 | 5,519,000 | 5,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 324,000 | 637,000 | 936,000 | 1,221,000 |
| Interest expense | 42,000 | 81,000 | 115,000 | 151,000 |
| Net interest income | 282,000 | 556,000 | 821,000 | 1,070,000 |
| Noninterest income | 14,000 | 28,000 | 42,000 | 57,000 |
| Noninterest expense | 191,000 | 383,000 | 594,000 | 802,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 105,000 | 201,000 | 269,000 | 315,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 105,000 | 201,000 | 269,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,355,000 | 5,451,000 | 5,519,000 | 5,563,000 |
| Total capital | 5,455,000 | 5,551,000 | 5,619,000 | 5,615,000 |
| Risk-weighted assets | 16,430,000 | 15,268,000 | 14,373,000 | 13,976,000 |