Call reports 2012
LAWRENCE BANK — 2012
What LAWRENCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 373,947,000 | 393,892,000 | 405,915,000 | 422,965,000 |
| Total loans | 282,568,000 | 328,716,000 | 335,916,000 | 347,615,000 |
| Allowance for loan losses | 3,633,000 | 3,764,000 | 3,750,000 | 3,658,000 |
| Securities available for sale | 25,989,000 | 26,006,000 | 24,782,000 | 23,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,583,000 | 319,294,000 | 328,494,000 | 332,964,000 |
| Interest-bearing deposits | 287,890,000 | 288,047,000 | 291,582,000 | 299,043,000 |
| Noninterest-bearing deposits | 32,693,000 | 31,247,000 | 36,912,000 | 33,921,000 |
| Equity capital | 33,823,000 | 34,795,000 | 37,188,000 | 41,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,048,000 | 8,252,000 | 12,690,000 | 17,224,000 |
| Interest expense | 683,000 | 1,322,000 | 1,956,000 | 2,575,000 |
| Net interest income | 3,365,000 | 6,930,000 | 10,734,000 | 14,649,000 |
| Noninterest income | 4,168,000 | 11,164,000 | 20,364,000 | 33,232,000 |
| Noninterest expense | 5,246,000 | 12,283,000 | 20,354,000 | 30,326,000 |
| Provision for loan losses | 216,000 | 332,000 | 548,000 | 764,000 |
| Pretax income | 2,071,000 | 5,479,000 | 10,196,000 | 16,791,000 |
| Income tax | 137,000 | 358,000 | 666,000 | 1,096,000 |
| Net income | 1,934,000 | 5,121,000 | 9,530,000 | 15,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,827,000 | 33,684,000 | 35,849,000 | 39,788,000 |
| Total capital | 36,031,000 | 37,448,000 | 39,587,000 | 43,446,000 |
| Risk-weighted assets | 264,683,000 | 314,032,000 | 308,588,000 | 325,731,000 |