Call reports 2018
LAWRENCE BANK — 2018
What LAWRENCE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 671,485,000 | 665,340,000 | 690,888,000 | 696,286,000 |
| Total loans | 575,276,000 | 567,658,000 | 587,430,000 | 597,756,000 |
| Allowance for loan losses | 5,632,000 | 5,806,000 | 6,295,000 | 6,543,000 |
| Securities available for sale | 28,576,000 | 28,661,000 | 29,437,000 | 1,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 498,469,000 | 528,709,000 | 520,508,000 | 545,444,000 |
| Interest-bearing deposits | 361,491,000 | 392,288,000 | 380,446,000 | 413,189,000 |
| Noninterest-bearing deposits | 136,978,000 | 136,421,000 | 140,062,000 | 132,255,000 |
| Equity capital | 59,120,000 | 60,194,000 | 61,974,000 | 66,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,787,000 | 14,771,000 | 22,750,000 | 31,412,000 |
| Interest expense | 944,000 | 2,200,000 | 3,522,000 | 5,172,000 |
| Net interest income | 5,843,000 | 12,571,000 | 19,228,000 | 26,240,000 |
| Noninterest income | 4,634,000 | 10,098,000 | 15,431,000 | 20,588,000 |
| Noninterest expense | 7,932,000 | 16,548,000 | 25,167,000 | 34,094,000 |
| Provision for loan losses | 196,000 | 412,000 | 918,000 | 1,172,000 |
| Pretax income | 2,349,000 | 5,709,000 | 8,574,000 | 10,971,000 |
| Income tax | 28,000 | 249,000 | 437,000 | 595,000 |
| Net income | 2,321,000 | 5,460,000 | 8,137,000 | 10,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,742,000 | 60,069,000 | 62,429,000 | 66,343,000 |
| Total capital | 64,374,000 | 65,875,000 | 68,724,000 | 72,886,000 |
| Risk-weighted assets | 580,194,000 | 588,311,000 | 619,763,000 | 637,376,000 |