Call reports 2023
LAWRENCE BANK — 2023
What LAWRENCE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,046,968,000 | 1,029,438,000 | 1,050,464,000 | 1,103,398,000 |
| Total loans | 678,403,000 | 685,045,000 | 705,329,000 | 716,579,000 |
| Allowance for loan losses | 7,704,000 | 7,595,000 | 7,606,000 | 7,340,000 |
| Securities available for sale | 156,795,000 | 149,921,000 | 144,859,000 | 141,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 893,138,000 | 877,535,000 | 902,850,000 | 908,143,000 |
| Interest-bearing deposits | 697,648,000 | 677,649,000 | 690,076,000 | 704,702,000 |
| Noninterest-bearing deposits | 195,490,000 | 199,886,000 | 212,774,000 | 203,441,000 |
| Equity capital | 141,330,000 | 138,356,000 | 129,797,000 | 135,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 11,923,000 | 24,179,000 | 37,056,000 | 50,327,000 |
| Interest expense | 1,930,000 | 4,525,000 | 7,847,000 | 12,184,000 |
| Net interest income | 9,993,000 | 19,654,000 | 29,209,000 | 38,143,000 |
| Noninterest income | 1,427,000 | 2,923,000 | 4,371,000 | 5,691,000 |
| Noninterest expense | 7,670,000 | 15,891,000 | 24,675,000 | 33,384,000 |
| Provision for loan losses | 0 | 0 | 0 | 77,000 |
| Pretax income | 3,750,000 | 6,686,000 | 8,905,000 | 10,373,000 |
| Income tax | 231,000 | 413,000 | 548,000 | 648,000 |
| Net income | 3,514,000 | 6,264,000 | 8,345,000 | 9,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,109,000 | 88,974,000 | 83,821,000 | 84,309,000 |
| Total capital | 97,419,000 | 97,175,000 | 92,033,000 | 92,255,000 |
| Risk-weighted assets | 769,665,000 | 767,061,000 | 780,595,000 | 791,709,000 |
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