Call reports 2009
LAWRENCE BANK — 2009
What LAWRENCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 322,135,000 | 317,278,000 | 314,875,000 | 311,319,000 |
| Total loans | 266,116,000 | 271,657,000 | 259,560,000 | 256,743,000 |
| Allowance for loan losses | 3,165,000 | 3,058,000 | 3,014,000 | 3,508,000 |
| Securities available for sale | 29,109,000 | 25,526,000 | 26,213,000 | 24,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,209,000 | 266,580,000 | 255,922,000 | 265,655,000 |
| Interest-bearing deposits | 201,288,000 | 241,403,000 | 229,884,000 | 239,769,000 |
| Noninterest-bearing deposits | 63,921,000 | 25,177,000 | 26,038,000 | 25,886,000 |
| Equity capital | 26,259,000 | 25,292,000 | 27,331,000 | 28,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,106,000 | 8,314,000 | 12,520,000 | 16,798,000 |
| Interest expense | 1,328,000 | 2,600,000 | 3,775,000 | 4,833,000 |
| Net interest income | 2,778,000 | 5,714,000 | 8,745,000 | 11,965,000 |
| Noninterest income | 2,654,000 | 7,448,000 | 12,153,000 | 17,348,000 |
| Noninterest expense | 3,997,000 | 9,759,000 | 15,245,000 | 21,041,000 |
| Provision for loan losses | 186,000 | 372,000 | 558,000 | 2,083,000 |
| Pretax income | 1,336,000 | 1,299,000 | 3,515,000 | 4,609,000 |
| Income tax | 88,000 | 87,000 | 232,000 | 304,000 |
| Net income | 1,248,000 | 1,212,000 | 3,283,000 | 4,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,391,000 | 25,214,000 | 26,686,000 | 27,659,000 |
| Total capital | 29,556,000 | 28,272,000 | 29,700,000 | 30,702,000 |
| Risk-weighted assets | 254,734,000 | 264,756,000 | 260,040,000 | 242,969,000 |
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