Call reports 2011
LAWSON BANK — 2011
What LAWSON BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 124,698,000 | 123,751,000 | 120,602,000 | 119,962,000 |
| Total loans | 59,812,000 | 61,503,000 | 59,417,000 | 56,547,000 |
| Allowance for loan losses | 983,000 | 1,027,000 | 901,000 | 895,000 |
| Securities available for sale | 43,268,000 | 38,028,000 | 39,475,000 | 40,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,713,000 | 110,791,000 | 106,942,000 | 108,044,000 |
| Interest-bearing deposits | 92,017,000 | 87,680,000 | 83,739,000 | 85,877,000 |
| Noninterest-bearing deposits | 20,696,000 | 23,111,000 | 23,203,000 | 22,167,000 |
| Equity capital | 9,985,000 | 10,928,000 | 11,775,000 | 10,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,278,000 | 2,603,000 | 3,886,000 | 5,119,000 |
| Interest expense | 256,000 | 482,000 | 686,000 | 863,000 |
| Net interest income | 1,022,000 | 2,121,000 | 3,200,000 | 4,256,000 |
| Noninterest income | 162,000 | 320,000 | 825,000 | 966,000 |
| Noninterest expense | 935,000 | 1,838,000 | 2,734,000 | 3,741,000 |
| Provision for loan losses | 30,000 | 60,000 | 340,000 | 410,000 |
| Pretax income | 219,000 | 543,000 | 951,000 | 1,072,000 |
| Income tax | 3,000 | 13,000 | 29,000 | 34,000 |
| Net income | 216,000 | 530,000 | 922,000 | 1,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,653,000 | 10,966,000 | 11,359,000 | 10,876,000 |
| Total capital | 11,581,000 | 11,890,000 | 12,250,000 | 11,771,000 |
| Risk-weighted assets | 73,454,000 | 73,023,000 | 71,567,000 | 72,226,000 |