Call reports 2008
LAWSON BANK — 2008
What LAWSON BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,063,000 | 100,573,000 | 99,503,000 | 102,311,000 |
| Total loans | 66,632,000 | 62,685,000 | 68,575,000 | 70,704,000 |
| Allowance for loan losses | 811,000 | 778,000 | 767,000 | 796,000 |
| Securities available for sale | 20,326,000 | 24,938,000 | 23,993,000 | 23,233,000 |
| Securities held to maturity | 50,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,800,000 | 90,827,000 | 84,752,000 | 87,514,000 |
| Interest-bearing deposits | 77,078,000 | 74,633,000 | 68,772,000 | 71,557,000 |
| Noninterest-bearing deposits | 16,722,000 | 16,194,000 | 15,979,000 | 15,957,000 |
| Equity capital | 9,786,000 | 9,322,000 | 9,117,000 | 9,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 2,978,000 | 4,431,000 | 5,879,000 |
| Interest expense | 516,000 | 994,000 | 1,425,000 | 1,860,000 |
| Net interest income | 1,002,000 | 1,984,000 | 3,006,000 | 4,019,000 |
| Noninterest income | 186,000 | 420,000 | 170,000 | 326,000 |
| Noninterest expense | 1,050,000 | 2,169,000 | 3,157,000 | 4,076,000 |
| Provision for loan losses | 5,000 | 192,000 | 192,000 | 222,000 |
| Pretax income | 133,000 | 43,000 | -173,000 | 47,000 |
| Income tax | 9,000 | 18,000 | 6,000 | 6,000 |
| Net income | 124,000 | 25,000 | -179,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,403,000 | 9,304,000 | 9,100,000 | 9,320,000 |
| Total capital | 10,214,000 | 10,082,000 | 9,867,000 | 10,116,000 |
| Risk-weighted assets | 72,431,000 | 70,723,000 | 73,150,000 | 73,809,000 |
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