Call reports 2007
LAWRENCE BANK — 2007
What LAWRENCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 263,632,000 | 263,121,000 | 269,098,000 | 265,592,000 |
| Total loans | 209,185,000 | 210,214,000 | 212,758,000 | 211,089,000 |
| Allowance for loan losses | 2,462,000 | 2,617,000 | 2,775,000 | 2,714,000 |
| Securities available for sale | 30,021,000 | 28,837,000 | 30,734,000 | 29,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,792,000 | 224,000,000 | 228,334,000 | 211,362,000 |
| Interest-bearing deposits | 159,692,000 | 155,098,000 | 160,438,000 | 156,349,000 |
| Noninterest-bearing deposits | 71,100,000 | 68,902,000 | 67,896,000 | 55,013,000 |
| Equity capital | 20,532,000 | 21,067,000 | 22,270,000 | 23,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,736,000 | 9,743,000 | 14,799,000 | 18,980,000 |
| Interest expense | 1,871,000 | 3,695,000 | 5,576,000 | 7,469,000 |
| Net interest income | 2,865,000 | 6,048,000 | 9,223,000 | 11,511,000 |
| Noninterest income | 1,377,000 | 3,176,000 | 5,128,000 | 7,923,000 |
| Noninterest expense | 3,006,000 | 6,503,000 | 10,052,000 | 13,882,000 |
| Provision for loan losses | 221,000 | 398,000 | 574,000 | 720,000 |
| Pretax income | 1,015,000 | 2,323,000 | 3,725,000 | 4,836,000 |
| Income tax | 67,000 | 152,000 | 245,000 | 318,000 |
| Net income | 948,000 | 2,171,000 | 3,480,000 | 4,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,045,000 | 20,949,000 | 21,781,000 | 22,840,000 |
| Total capital | 22,507,000 | 23,566,000 | 24,556,000 | 25,554,000 |
| Risk-weighted assets | 213,873,000 | 218,649,000 | 224,623,000 | 226,004,000 |
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