Call reports 2014
BANK OF LAWRENCE COUNTY, THE — 2014
What BANK OF LAWRENCE COUNTY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 50,179,000 | 50,536,000 | 53,122,000 | 44,117,000 |
| Total loans | 11,263,000 | 12,242,000 | 12,275,000 | 11,832,000 |
| Allowance for loan losses | 52,000 | 57,000 | 35,000 | 44,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,412,000 | 17,412,000 | 17,412,000 | 17,313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,381,000 | 44,667,000 | 47,193,000 | 38,194,000 |
| Interest-bearing deposits | 34,909,000 | 34,211,000 | 36,593,000 | 28,710,000 |
| Noninterest-bearing deposits | 9,472,000 | 10,456,000 | 10,600,000 | 9,484,000 |
| Equity capital | 5,349,000 | 5,417,000 | 5,480,000 | 5,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 567,000 | 859,000 | 1,149,000 |
| Interest expense | 39,000 | 77,000 | 118,000 | 154,000 |
| Net interest income | 243,000 | 490,000 | 741,000 | 995,000 |
| Noninterest income | 18,000 | 50,000 | 67,000 | 85,000 |
| Noninterest expense | 209,000 | 416,000 | 614,000 | 892,000 |
| Provision for loan losses | 2,000 | 5,000 | 10,000 | 19,000 |
| Pretax income | 50,000 | 119,000 | 184,000 | 169,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 50,000 | 118,000 | 182,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,349,000 | 5,417,000 | 5,480,000 | 5,465,000 |
| Total capital | 5,401,000 | 5,474,000 | 5,515,000 | 5,509,000 |
| Risk-weighted assets | 13,681,000 | 14,439,000 | 14,355,000 | 13,768,000 |