Call reports 2002
LAWSON BANK — 2002
What LAWSON BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 80,008,000 | 81,964,000 | 84,392,000 | 88,426,000 |
| Total loans | 55,696,000 | 59,015,000 | 60,232,000 | 60,537,000 |
| Allowance for loan losses | 637,000 | 606,000 | 630,000 | 565,000 |
| Securities available for sale | 16,701,000 | 16,598,000 | 17,272,000 | 19,921,000 |
| Securities held to maturity | 341,000 | 241,000 | 240,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,970,000 | 72,901,000 | 75,655,000 | 79,815,000 |
| Interest-bearing deposits | 58,791,000 | 58,656,000 | 61,985,000 | 65,657,000 |
| Noninterest-bearing deposits | 15,179,000 | 14,245,000 | 13,670,000 | 14,158,000 |
| Equity capital | 5,457,000 | 5,888,000 | 6,169,000 | 6,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,619,000 | 3,991,000 | 5,352,000 |
| Interest expense | 465,000 | 855,000 | 1,246,000 | 1,610,000 |
| Net interest income | 824,000 | 1,764,000 | 2,745,000 | 3,742,000 |
| Noninterest income | 139,000 | 314,000 | 499,000 | 690,000 |
| Noninterest expense | 764,000 | 1,537,000 | 2,320,000 | 3,137,000 |
| Provision for loan losses | 30,000 | 65,000 | 170,000 | 380,000 |
| Pretax income | 169,000 | 476,000 | 754,000 | 915,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 162,000 | 469,000 | 747,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,293,000 | 5,550,000 | 5,751,000 | 5,772,000 |
| Total capital | 5,930,000 | 6,156,000 | 6,381,000 | 6,337,000 |
| Risk-weighted assets | 53,783,000 | 55,428,000 | 57,113,000 | 57,169,000 |