Call reports 2025
LAWRENCE BANK — 2025
What LAWRENCE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,591,203,000 | 1,668,530,000 | 1,654,873,000 | 1,608,229,000 |
| Total loans | 1,096,202,000 | 1,128,988,000 | 1,154,812,000 | 1,165,544,000 |
| Allowance for loan losses | 11,403,000 | 11,489,000 | 11,501,000 | 12,052,000 |
| Securities available for sale | 167,614,000 | 160,531,000 | 148,433,000 | 141,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,353,694,000 | 1,428,665,000 | 1,413,062,000 | 1,365,269,000 |
| Interest-bearing deposits | 1,107,114,000 | 1,146,111,000 | 1,164,470,000 | 1,139,665,000 |
| Noninterest-bearing deposits | 246,580,000 | 282,554,000 | 248,592,000 | 225,604,000 |
| Equity capital | 193,267,000 | 195,301,000 | 198,872,000 | 202,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,472,000 | 41,843,000 | 64,600,000 | 86,570,000 |
| Interest expense | 7,259,000 | 14,885,000 | 22,931,000 | 30,371,000 |
| Net interest income | 13,213,000 | 26,958,000 | 41,669,000 | 56,199,000 |
| Noninterest income | 1,283,000 | 2,785,000 | 2,517,000 | 3,932,000 |
| Noninterest expense | 11,852,000 | 23,979,000 | 36,406,000 | 47,956,000 |
| Provision for loan losses | -266,000 | -136,000 | -136,000 | 637,000 |
| Pretax income | 2,494,000 | 5,432,000 | 7,448,000 | 11,113,000 |
| Income tax | 128,000 | 269,000 | 373,000 | 621,000 |
| Net income | 2,361,000 | 5,139,000 | 7,030,000 | 10,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,849,000 | 147,068,000 | 149,225,000 | 152,885,000 |
| Total capital | 158,418,000 | 159,775,000 | 161,944,000 | 166,085,000 |
| Risk-weighted assets | 1,213,892,000 | 1,259,045,000 | 1,246,121,000 | 1,237,209,000 |