Call reports 2004
LAWSON BANK — 2004
What LAWSON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 96,129,000 | 99,972,000 | 105,269,000 | 105,586,000 |
| Total loans | 72,469,000 | 75,136,000 | 76,692,000 | 78,033,000 |
| Allowance for loan losses | 838,000 | 897,000 | 892,000 | 879,000 |
| Securities available for sale | 14,626,000 | 14,587,000 | 18,463,000 | 18,451,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,650,000 | 89,524,000 | 94,164,000 | 94,514,000 |
| Interest-bearing deposits | 67,944,000 | 71,656,000 | 72,618,000 | 75,934,000 |
| Noninterest-bearing deposits | 16,706,000 | 17,868,000 | 21,546,000 | 18,580,000 |
| Equity capital | 7,162,000 | 7,070,000 | 7,675,000 | 7,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,738,000 | 4,197,000 | 5,688,000 |
| Interest expense | 282,000 | 564,000 | 857,000 | 1,155,000 |
| Net interest income | 1,045,000 | 2,174,000 | 3,340,000 | 4,533,000 |
| Noninterest income | 180,000 | 385,000 | 584,000 | 774,000 |
| Noninterest expense | 865,000 | 1,729,000 | 2,608,000 | 3,642,000 |
| Provision for loan losses | 90,000 | 150,000 | 180,000 | 240,000 |
| Pretax income | 270,000 | 680,000 | 1,136,000 | 1,425,000 |
| Income tax | -20,000 | -11,000 | -8,000 | -8,000 |
| Net income | 290,000 | 691,000 | 1,144,000 | 1,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,773,000 | 7,067,000 | 7,426,000 | 7,512,000 |
| Total capital | 7,611,000 | 7,959,000 | 8,318,000 | 8,391,000 |
| Risk-weighted assets | 67,619,000 | 71,363,000 | 72,887,000 | 73,968,000 |