Call reports 2005
LAWSON BANK — 2005
What LAWSON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 106,655,000 | 106,523,000 | 109,506,000 | 108,455,000 |
| Total loans | 82,932,000 | 83,187,000 | 85,338,000 | 83,080,000 |
| Allowance for loan losses | 907,000 | 977,000 | 964,000 | 981,000 |
| Securities available for sale | 18,055,000 | 17,128,000 | 16,850,000 | 16,224,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,385,000 | 91,541,000 | 93,681,000 | 92,567,000 |
| Interest-bearing deposits | 75,799,000 | 73,173,000 | 74,351,000 | 75,644,000 |
| Noninterest-bearing deposits | 17,586,000 | 18,368,000 | 19,330,000 | 16,923,000 |
| Equity capital | 8,835,000 | 9,434,000 | 9,703,000 | 9,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,162,000 | 4,834,000 | 6,568,000 |
| Interest expense | 330,000 | 712,000 | 1,132,000 | 1,603,000 |
| Net interest income | 1,218,000 | 2,450,000 | 3,702,000 | 4,965,000 |
| Noninterest income | 169,000 | 363,000 | 575,000 | 749,000 |
| Noninterest expense | 998,000 | 1,931,000 | 2,917,000 | 3,929,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 295,000 |
| Pretax income | 329,000 | 747,000 | 1,150,000 | 1,490,000 |
| Income tax | 6,000 | 10,000 | 19,000 | 5,000 |
| Net income | 323,000 | 737,000 | 1,131,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,835,000 | 9,250,000 | 9,643,000 | 9,808,000 |
| Total capital | 9,742,000 | 10,213,000 | 10,607,000 | 10,765,000 |
| Risk-weighted assets | 77,164,000 | 77,022,000 | 78,873,000 | 76,510,000 |