Call reports 2021
LAWRENCE BANK — 2021
What LAWRENCE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 916,168,000 | 935,684,000 | 956,540,000 | 982,001,000 |
| Total loans | 538,892,000 | 583,888,000 | 607,255,000 | 619,463,000 |
| Allowance for loan losses | 5,403,000 | 5,470,000 | 6,823,000 | 6,824,000 |
| Securities available for sale | 39,603,000 | 42,045,000 | 40,644,000 | 39,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 778,914,000 | 795,902,000 | 816,960,000 | 842,667,000 |
| Interest-bearing deposits | 508,923,000 | 502,061,000 | 615,647,000 | 641,595,000 |
| Noninterest-bearing deposits | 269,991,000 | 293,841,000 | 201,313,000 | 201,072,000 |
| Equity capital | 130,647,000 | 132,558,000 | 134,742,000 | 135,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 8,086,000 | 17,147,000 | 25,895,000 | 33,962,000 |
| Interest expense | 948,000 | 1,562,000 | 1,979,000 | 2,340,000 |
| Net interest income | 7,138,000 | 15,585,000 | 23,916,000 | 31,622,000 |
| Noninterest income | 1,039,000 | 2,143,000 | 4,602,000 | 6,140,000 |
| Noninterest expense | 5,948,000 | 12,383,000 | 19,452,000 | 26,747,000 |
| Provision for loan losses | 36,000 | 72,000 | 1,433,000 | 1,433,000 |
| Pretax income | 2,193,000 | 5,273,000 | 7,633,000 | 9,582,000 |
| Income tax | 144,000 | 345,000 | 501,000 | 631,000 |
| Net income | 2,049,000 | 4,928,000 | 7,132,000 | 8,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,156,000 | 69,151,000 | 71,620,000 | 72,555,000 |
| Total capital | 72,559,000 | 74,621,000 | 78,443,000 | 79,379,000 |
| Risk-weighted assets | 610,112,000 | 692,639,000 | 668,300,000 | 687,387,000 |