Call reports 2019
LAWRENCE BANK — 2019
What LAWRENCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 777,541,000 | 827,390,000 | 729,523,000 | 766,062,000 |
| Total loans | 581,485,000 | 612,764,000 | 530,929,000 | 512,946,000 |
| Allowance for loan losses | 755,000 | 1,938,000 | 2,645,000 | 3,161,000 |
| Securities available for sale | 1,848,000 | 4,496,000 | 6,690,000 | 9,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 632,216,000 | 604,716,000 | 598,612,000 | 630,444,000 |
| Interest-bearing deposits | 478,154,000 | 454,965,000 | 454,412,000 | 444,199,000 |
| Noninterest-bearing deposits | 154,062,000 | 149,751,000 | 144,200,000 | 186,245,000 |
| Equity capital | 126,670,000 | 128,124,000 | 125,916,000 | 131,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,686,000 | 19,723,000 | 29,212,000 | 38,470,000 |
| Interest expense | 1,203,000 | 3,244,000 | 5,091,000 | 6,643,000 |
| Net interest income | 8,483,000 | 16,479,000 | 24,121,000 | 31,827,000 |
| Noninterest income | 4,219,000 | 9,796,000 | 13,217,000 | 14,268,000 |
| Noninterest expense | 11,096,000 | 21,929,000 | 28,345,000 | 35,581,000 |
| Provision for loan losses | 769,000 | 1,964,000 | 2,811,000 | 3,347,000 |
| Pretax income | 837,000 | 2,382,000 | 6,182,000 | 7,167,000 |
| Income tax | 24,000 | 160,000 | 676,000 | 743,000 |
| Net income | 813,000 | 2,222,000 | 5,506,000 | 6,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,989,000 | 65,975,000 | 64,024,000 | 66,474,000 |
| Total capital | 61,744,000 | 67,913,000 | 66,669,000 | 69,635,000 |
| Risk-weighted assets | 636,644,000 | 653,056,000 | 591,168,000 | 564,240,000 |
Machine access — free, no API key
Every figure shown here about LAWRENCE BANK — 2019 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.