Call reports 2007
LAWSON BANK — 2007
What LAWSON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 104,842,000 | 99,603,000 | 99,601,000 | 98,003,000 |
| Total loans | 70,442,000 | 70,080,000 | 68,907,000 | 69,751,000 |
| Allowance for loan losses | 862,000 | 862,000 | 841,000 | 846,000 |
| Securities available for sale | 21,365,000 | 21,632,000 | 21,650,000 | 20,476,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,737,000 | 88,472,000 | 88,072,000 | 84,620,000 |
| Interest-bearing deposits | 73,379,000 | 71,221,000 | 70,253,000 | 66,525,000 |
| Noninterest-bearing deposits | 18,358,000 | 17,251,000 | 17,819,000 | 18,095,000 |
| Equity capital | 9,325,000 | 9,408,000 | 9,930,000 | 10,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,683,000 | 3,393,000 | 5,047,000 | 6,640,000 |
| Interest expense | 580,000 | 1,153,000 | 1,753,000 | 2,324,000 |
| Net interest income | 1,103,000 | 2,240,000 | 3,294,000 | 4,316,000 |
| Noninterest income | 171,000 | 346,000 | 519,000 | 681,000 |
| Noninterest expense | 959,000 | 1,945,000 | 2,855,000 | 3,863,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 10,000 |
| Pretax income | 315,000 | 636,000 | 953,000 | 1,124,000 |
| Income tax | 9,000 | 3,000 | 12,000 | 21,000 |
| Net income | 306,000 | 633,000 | 941,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,283,000 | 9,611,000 | 9,918,000 | 10,080,000 |
| Total capital | 10,145,000 | 10,463,000 | 10,759,000 | 10,926,000 |
| Risk-weighted assets | 69,262,000 | 68,214,000 | 67,378,000 | 68,834,000 |