Call reports 2003
LAWSON BANK — 2003
What LAWSON BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,033,000 | 92,818,000 | 94,773,000 | 95,159,000 |
| Total loans | 60,171,000 | 66,926,000 | 69,129,000 | 71,774,000 |
| Allowance for loan losses | 634,000 | 740,000 | 821,000 | 811,000 |
| Securities available for sale | 18,779,000 | 19,188,000 | 17,825,000 | 15,818,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,347,000 | 80,110,000 | 83,344,000 | 84,013,000 |
| Interest-bearing deposits | 66,229,000 | 66,068,000 | 67,165,000 | 66,910,000 |
| Noninterest-bearing deposits | 13,118,000 | 14,042,000 | 16,179,000 | 17,103,000 |
| Equity capital | 6,385,000 | 6,924,000 | 7,014,000 | 6,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,675,000 | 4,011,000 | 5,362,000 |
| Interest expense | 325,000 | 636,000 | 949,000 | 1,242,000 |
| Net interest income | 976,000 | 2,039,000 | 3,062,000 | 4,120,000 |
| Noninterest income | 152,000 | 367,000 | 577,000 | 782,000 |
| Noninterest expense | 788,000 | 1,560,000 | 2,372,000 | 3,266,000 |
| Provision for loan losses | 90,000 | 200,000 | 290,000 | 715,000 |
| Pretax income | 282,000 | 678,000 | 1,009,000 | 953,000 |
| Income tax | 12,000 | 18,000 | 32,000 | 41,000 |
| Net income | 270,000 | 660,000 | 977,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,043,000 | 6,432,000 | 6,749,000 | 6,584,000 |
| Total capital | 6,677,000 | 7,172,000 | 7,570,000 | 7,395,000 |
| Risk-weighted assets | 57,586,000 | 63,837,000 | 65,336,000 | 66,136,000 |