Call reports 2005
LAWRENCE BANK — 2005
What LAWRENCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 194,475,000 | 206,166,000 | 218,108,000 | 219,728,000 |
| Total loans | 142,998,000 | 155,561,000 | 168,683,000 | 162,585,000 |
| Allowance for loan losses | 1,554,000 | 1,545,000 | 1,682,000 | 1,759,000 |
| Securities available for sale | 31,453,000 | 30,356,000 | 29,218,000 | 30,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,526,000 | 179,178,000 | 192,758,000 | 197,944,000 |
| Interest-bearing deposits | 144,344,000 | 153,891,000 | 161,729,000 | 174,358,000 |
| Noninterest-bearing deposits | 24,182,000 | 25,287,000 | 31,029,000 | 23,586,000 |
| Equity capital | 17,410,000 | 17,940,000 | 18,416,000 | 19,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,615,000 | 5,536,000 | 8,836,000 | 12,400,000 |
| Interest expense | 573,000 | 1,315,000 | 2,230,000 | 3,293,000 |
| Net interest income | 2,042,000 | 4,221,000 | 6,606,000 | 9,107,000 |
| Noninterest income | 1,719,000 | 3,777,000 | 5,519,000 | 7,704,000 |
| Noninterest expense | 2,851,000 | 5,884,000 | 8,675,000 | 12,201,000 |
| Provision for loan losses | 112,000 | 225,000 | 368,000 | 540,000 |
| Pretax income | 798,000 | 1,889,000 | 3,082,000 | 4,070,000 |
| Income tax | 50,000 | 122,000 | 200,000 | 266,000 |
| Net income | 748,000 | 1,767,000 | 2,882,000 | 3,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,926,000 | 17,131,000 | 17,728,000 | 18,624,000 |
| Total capital | 18,480,000 | 18,676,000 | 19,410,000 | 20,383,000 |
| Risk-weighted assets | 146,719,000 | 158,465,000 | 168,801,000 | 168,698,000 |
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Every figure shown here about LAWRENCE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.