Call reports 2015
LAWRENCE BANK — 2015
What LAWRENCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 506,481,000 | 520,898,000 | 525,982,000 | 530,489,000 |
| Total loans | 419,517,000 | 428,163,000 | 427,973,000 | 426,089,000 |
| Allowance for loan losses | 3,663,000 | 3,677,000 | 3,699,000 | 3,850,000 |
| Securities available for sale | 27,473,000 | 25,916,000 | 27,991,000 | 27,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,803,000 | 386,052,000 | 401,969,000 | 402,804,000 |
| Interest-bearing deposits | 307,203,000 | 310,518,000 | 314,948,000 | 322,346,000 |
| Noninterest-bearing deposits | 83,600,000 | 75,534,000 | 87,021,000 | 80,458,000 |
| Equity capital | 48,250,000 | 49,572,000 | 52,597,000 | 54,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,729,000 | 9,748,000 | 15,031,000 | 20,286,000 |
| Interest expense | 422,000 | 841,000 | 1,264,000 | 1,683,000 |
| Net interest income | 4,307,000 | 8,907,000 | 13,767,000 | 18,603,000 |
| Noninterest income | 5,998,000 | 13,386,000 | 19,933,000 | 25,333,000 |
| Noninterest expense | 7,319,000 | 15,338,000 | 23,011,000 | 30,424,000 |
| Provision for loan losses | 93,000 | 126,000 | 159,000 | 377,000 |
| Pretax income | 2,893,000 | 6,829,000 | 10,530,000 | 13,135,000 |
| Income tax | 189,000 | 447,000 | 690,000 | 861,000 |
| Net income | 2,704,000 | 6,382,000 | 9,840,000 | 12,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,973,000 | 42,566,000 | 44,663,000 | 46,608,000 |
| Total capital | 45,636,000 | 46,243,000 | 48,362,000 | 50,458,000 |
| Risk-weighted assets | 399,747,000 | 420,535,000 | 430,897,000 | 433,761,000 |