Call reports 2014
LAWRENCE BANK — 2014
What LAWRENCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 435,492,000 | 464,732,000 | 464,696,000 | 464,109,000 |
| Total loans | 356,558,000 | 377,850,000 | 379,011,000 | 376,685,000 |
| Allowance for loan losses | 2,903,000 | 2,968,000 | 3,212,000 | 3,537,000 |
| Securities available for sale | 25,847,000 | 24,697,000 | 26,089,000 | 27,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,680,000 | 390,011,000 | 374,028,000 | 374,977,000 |
| Interest-bearing deposits | 279,419,000 | 325,103,000 | 304,513,000 | 312,102,000 |
| Noninterest-bearing deposits | 59,261,000 | 64,908,000 | 69,515,000 | 62,875,000 |
| Equity capital | 42,608,000 | 44,123,000 | 45,947,000 | 47,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,194,000 | 8,940,000 | 13,763,000 | 18,762,000 |
| Interest expense | 426,000 | 882,000 | 1,334,000 | 1,780,000 |
| Net interest income | 3,768,000 | 8,058,000 | 12,429,000 | 16,982,000 |
| Noninterest income | 3,168,000 | 8,313,000 | 13,011,000 | 18,731,000 |
| Noninterest expense | 5,168,000 | 11,958,000 | 18,862,000 | 26,958,000 |
| Provision for loan losses | 53,000 | 196,000 | 439,000 | 832,000 |
| Pretax income | 1,715,000 | 4,217,000 | 6,139,000 | 7,923,000 |
| Income tax | 112,000 | 276,000 | 402,000 | 521,000 |
| Net income | 1,603,000 | 3,941,000 | 5,737,000 | 7,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,173,000 | 42,332,000 | 43,834,000 | 44,706,000 |
| Total capital | 44,076,000 | 45,300,000 | 47,046,000 | 48,243,000 |
| Risk-weighted assets | 354,254,000 | 351,993,000 | 356,906,000 | 364,962,000 |
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