Call reports 2016
LAWRENCE BANK — 2016
What LAWRENCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 530,740,000 | 603,850,000 | 613,480,000 | 598,906,000 |
| Total loans | 438,110,000 | 502,442,000 | 514,772,000 | 493,430,000 |
| Allowance for loan losses | 4,027,000 | 4,091,000 | 4,260,000 | 4,470,000 |
| Securities available for sale | 27,736,000 | 27,212,000 | 28,010,000 | 27,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,408,000 | 423,905,000 | 458,234,000 | 466,443,000 |
| Interest-bearing deposits | 331,610,000 | 331,864,000 | 367,468,000 | 361,521,000 |
| Noninterest-bearing deposits | 92,798,000 | 92,041,000 | 90,766,000 | 104,922,000 |
| Equity capital | 57,653,000 | 56,741,000 | 57,321,000 | 59,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,261,000 | 10,883,000 | 17,027,000 | 23,035,000 |
| Interest expense | 422,000 | 899,000 | 1,466,000 | 2,028,000 |
| Net interest income | 4,839,000 | 9,984,000 | 15,561,000 | 21,007,000 |
| Noninterest income | 7,488,000 | 13,684,000 | 21,326,000 | 27,758,000 |
| Noninterest expense | 7,752,000 | 15,872,000 | 24,855,000 | 33,503,000 |
| Provision for loan losses | 108,000 | 226,000 | 419,000 | 838,000 |
| Pretax income | 4,467,000 | 7,570,000 | 11,613,000 | 14,424,000 |
| Income tax | 286,000 | 481,000 | 736,000 | 944,000 |
| Net income | 4,181,000 | 7,089,000 | 10,877,000 | 13,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,736,000 | 52,227,000 | 53,408,000 | 56,387,000 |
| Total capital | 56,763,000 | 56,318,000 | 57,668,000 | 60,857,000 |
| Risk-weighted assets | 443,482,000 | 493,140,000 | 515,653,000 | 510,667,000 |