Call reports 2017
LAWRENCE BANK — 2017
What LAWRENCE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 567,075,000 | 595,129,000 | 604,847,000 | 621,690,000 |
| Total loans | 463,534,000 | 500,143,000 | 503,159,000 | 529,810,000 |
| Allowance for loan losses | 4,723,000 | 4,862,000 | 5,054,000 | 5,477,000 |
| Securities available for sale | 28,581,000 | 27,940,000 | 28,575,000 | 28,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,186,000 | 456,693,000 | 461,451,000 | 474,480,000 |
| Interest-bearing deposits | 355,460,000 | 335,179,000 | 333,875,000 | 348,974,000 |
| Noninterest-bearing deposits | 109,726,000 | 121,514,000 | 127,576,000 | 125,506,000 |
| Equity capital | 58,831,000 | 58,950,000 | 59,446,000 | 60,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,784,000 | 11,831,000 | 18,120,000 | 24,852,000 |
| Interest expense | 534,000 | 1,110,000 | 1,817,000 | 2,582,000 |
| Net interest income | 5,250,000 | 10,721,000 | 16,303,000 | 22,270,000 |
| Noninterest income | 5,101,000 | 10,800,000 | 16,255,000 | 21,041,000 |
| Noninterest expense | 8,072,000 | 16,543,000 | 24,952,000 | 33,273,000 |
| Provision for loan losses | 216,000 | 382,000 | 588,000 | 974,000 |
| Pretax income | 2,063,000 | 4,596,000 | 7,018,000 | 9,064,000 |
| Income tax | 136,000 | 303,000 | 462,000 | 469,000 |
| Net income | 1,927,000 | 4,293,000 | 6,556,000 | 8,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,698,000 | 56,355,000 | 57,584,000 | 59,727,000 |
| Total capital | 60,421,000 | 61,217,000 | 62,638,000 | 65,204,000 |
| Risk-weighted assets | 495,176,000 | 512,638,000 | 523,473,000 | 550,366,000 |