Call reports 2013
LAWRENCE BANK — 2013
What LAWRENCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 404,954,000 | 409,103,000 | 409,557,000 | 398,410,000 |
| Total loans | 305,868,000 | 313,421,000 | 294,815,000 | 315,211,000 |
| Allowance for loan losses | 3,837,000 | 3,556,000 | 3,387,000 | 2,860,000 |
| Securities available for sale | 21,660,000 | 22,841,000 | 24,295,000 | 24,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,034,000 | 340,595,000 | 345,212,000 | 326,893,000 |
| Interest-bearing deposits | 302,231,000 | 301,128,000 | 300,720,000 | 282,434,000 |
| Noninterest-bearing deposits | 35,803,000 | 39,467,000 | 44,492,000 | 44,459,000 |
| Equity capital | 38,591,000 | 39,605,000 | 41,679,000 | 42,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,037,000 | 8,186,000 | 12,449,000 | 16,766,000 |
| Interest expense | 587,000 | 1,135,000 | 1,671,000 | 2,152,000 |
| Net interest income | 3,450,000 | 7,051,000 | 10,778,000 | 14,614,000 |
| Noninterest income | 4,960,000 | 11,601,000 | 17,247,000 | 22,025,000 |
| Noninterest expense | 5,839,000 | 13,443,000 | 20,542,000 | 28,289,000 |
| Provision for loan losses | 216,000 | 272,000 | 308,000 | 144,000 |
| Pretax income | 2,355,000 | 4,937,000 | 7,175,000 | 8,206,000 |
| Income tax | 154,000 | 323,000 | 468,000 | 538,000 |
| Net income | 2,201,000 | 4,614,000 | 6,707,000 | 7,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,134,000 | 38,462,000 | 40,429,000 | 40,959,000 |
| Total capital | 40,871,000 | 42,018,000 | 43,816,000 | 43,819,000 |
| Risk-weighted assets | 308,928,000 | 315,768,000 | 310,877,000 | 321,999,000 |