Call reports 2008
LAWRENCE BANK — 2008
What LAWRENCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 273,266,000 | 285,673,000 | 309,424,000 | 304,359,000 |
| Total loans | 216,316,000 | 228,735,000 | 247,189,000 | 246,988,000 |
| Allowance for loan losses | 2,796,000 | 2,722,000 | 2,607,000 | 3,134,000 |
| Securities available for sale | 29,031,000 | 27,539,000 | 30,311,000 | 29,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,695,000 | 216,526,000 | 244,019,000 | 232,005,000 |
| Interest-bearing deposits | 156,451,000 | 151,930,000 | 216,478,000 | 207,250,000 |
| Noninterest-bearing deposits | 62,244,000 | 64,596,000 | 27,541,000 | 24,755,000 |
| Equity capital | 23,365,000 | 22,505,000 | 23,450,000 | 22,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,381,000 | 8,772,000 | 13,149,000 | 17,504,000 |
| Interest expense | 1,789,000 | 3,361,000 | 4,898,000 | 6,436,000 |
| Net interest income | 2,592,000 | 5,411,000 | 8,251,000 | 11,068,000 |
| Noninterest income | 1,497,000 | 4,172,000 | 6,937,000 | 9,671,000 |
| Noninterest expense | 3,182,000 | 7,188,000 | 11,181,000 | 16,046,000 |
| Provision for loan losses | 133,000 | 164,000 | 272,000 | 1,072,000 |
| Pretax income | 870,000 | 2,358,000 | 3,886,000 | 3,780,000 |
| Income tax | 57,000 | 155,000 | 256,000 | 250,000 |
| Net income | 813,000 | 2,203,000 | 3,630,000 | 3,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,739,000 | 22,421,000 | 23,315,000 | 23,115,000 |
| Total capital | 25,535,000 | 25,143,000 | 25,922,000 | 26,235,000 |
| Risk-weighted assets | 224,537,000 | 231,506,000 | 249,247,000 | 249,641,000 |
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