Call reports 2006
LAWSON BANK — 2006
What LAWSON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 107,186,000 | 104,396,000 | 103,699,000 | 104,115,000 |
| Total loans | 80,788,000 | 79,999,000 | 79,084,000 | 72,606,000 |
| Allowance for loan losses | 972,000 | 975,000 | 989,000 | 980,000 |
| Securities available for sale | 16,388,000 | 16,007,000 | 16,854,000 | 19,047,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,555,000 | 90,533,000 | 89,941,000 | 90,144,000 |
| Interest-bearing deposits | 75,003,000 | 71,049,000 | 71,160,000 | 71,322,000 |
| Noninterest-bearing deposits | 18,552,000 | 19,484,000 | 18,781,000 | 18,822,000 |
| Equity capital | 9,026,000 | 9,325,000 | 10,077,000 | 10,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,425,000 | 5,169,000 | 6,905,000 |
| Interest expense | 529,000 | 1,020,000 | 1,522,000 | 2,090,000 |
| Net interest income | 1,165,000 | 2,405,000 | 3,647,000 | 4,815,000 |
| Noninterest income | 182,000 | 359,000 | 529,000 | 697,000 |
| Noninterest expense | 970,000 | 1,922,000 | 2,863,000 | 3,922,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 377,000 | 842,000 | 1,313,000 | 1,580,000 |
| Income tax | 9,000 | 6,000 | 15,000 | 24,000 |
| Net income | 368,000 | 836,000 | 1,298,000 | 1,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,968,000 | 9,098,000 | 10,014,000 | 10,272,000 |
| Total capital | 9,917,000 | 10,033,000 | 10,947,000 | 11,157,000 |
| Risk-weighted assets | 75,857,000 | 74,794,000 | 74,544,000 | 70,673,000 |