Call reports 2012
LAWSON BANK — 2012
What LAWSON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 128,975,000 | 129,651,000 | 124,898,000 | 126,003,000 |
| Total loans | 57,404,000 | 55,975,000 | 56,216,000 | 57,192,000 |
| Allowance for loan losses | 892,000 | 977,000 | 1,016,000 | 916,000 |
| Securities available for sale | 40,539,000 | 54,085,000 | 44,118,000 | 38,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,207,000 | 116,487,000 | 111,075,000 | 113,744,000 |
| Interest-bearing deposits | 91,410,000 | 90,430,000 | 88,226,000 | 87,838,000 |
| Noninterest-bearing deposits | 24,796,000 | 26,056,000 | 22,849,000 | 25,906,000 |
| Equity capital | 11,704,000 | 12,245,000 | 12,637,000 | 11,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,558,000 | 3,820,000 | 4,979,000 |
| Interest expense | 169,000 | 314,000 | 447,000 | 569,000 |
| Net interest income | 1,093,000 | 2,244,000 | 3,373,000 | 4,410,000 |
| Noninterest income | 152,000 | 315,000 | 461,000 | 580,000 |
| Noninterest expense | 869,000 | 1,718,000 | 2,591,000 | 3,538,000 |
| Provision for loan losses | 30,000 | 185,000 | 215,000 | 265,000 |
| Pretax income | 346,000 | 656,000 | 1,028,000 | 1,187,000 |
| Income tax | 5,000 | 14,000 | 20,000 | 11,000 |
| Net income | 341,000 | 642,000 | 1,008,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,216,000 | 11,514,000 | 11,881,000 | 11,148,000 |
| Total capital | 12,108,000 | 12,470,000 | 12,806,000 | 12,050,000 |
| Risk-weighted assets | 73,121,000 | 75,936,000 | 73,186,000 | 72,134,000 |