Call reports 2020
LAWRENCE BANK — 2020
What LAWRENCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 772,091,000 | 840,845,000 | 864,457,000 | 901,339,000 |
| Total loans | 505,544,000 | 576,852,000 | 563,722,000 | 549,974,000 |
| Allowance for loan losses | 3,343,000 | 4,899,000 | 5,394,000 | 5,363,000 |
| Securities available for sale | 10,451,000 | 10,721,000 | 9,722,000 | 9,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 634,036,000 | 700,035,000 | 721,012,000 | 759,090,000 |
| Interest-bearing deposits | 456,862,000 | 485,579,000 | 493,877,000 | 526,129,000 |
| Noninterest-bearing deposits | 177,174,000 | 214,456,000 | 227,135,000 | 232,961,000 |
| Equity capital | 133,982,000 | 134,300,000 | 136,364,000 | 136,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,639,000 | 17,370,000 | 25,906,000 | 33,804,000 |
| Interest expense | 1,513,000 | 2,941,000 | 4,169,000 | 5,228,000 |
| Net interest income | 7,126,000 | 14,429,000 | 21,737,000 | 28,576,000 |
| Noninterest income | 1,021,000 | 1,894,000 | 2,947,000 | 4,002,000 |
| Noninterest expense | 5,429,000 | 10,932,000 | 16,525,000 | 23,164,000 |
| Provision for loan losses | 156,000 | 1,697,000 | 2,256,000 | 2,292,000 |
| Pretax income | 2,562,000 | 3,694,000 | 5,903,000 | 7,122,000 |
| Income tax | 169,000 | 243,000 | 388,000 | 469,000 |
| Net income | 2,393,000 | 3,451,000 | 5,515,000 | 6,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,133,000 | 69,254,000 | 71,586,000 | 71,841,000 |
| Total capital | 72,476,000 | 74,153,000 | 76,980,000 | 77,204,000 |
| Risk-weighted assets | 557,241,000 | 573,239,000 | 567,969,000 | 555,129,000 |