Call reports 2013
LAWSON BANK — 2013
What LAWSON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 125,274,000 | 124,375,000 | 122,274,000 | 122,005,000 |
| Total loans | 54,996,000 | 56,132,000 | 51,820,000 | 49,678,000 |
| Allowance for loan losses | 1,015,000 | 1,021,000 | 1,048,000 | 882,000 |
| Securities available for sale | 37,944,000 | 35,096,000 | 33,832,000 | 16,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 16,862,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,922,000 | 113,929,000 | 112,151,000 | 112,480,000 |
| Interest-bearing deposits | 88,902,000 | 86,866,000 | 82,981,000 | 83,564,000 |
| Noninterest-bearing deposits | 24,021,000 | 27,062,000 | 29,170,000 | 28,916,000 |
| Equity capital | 11,699,000 | 10,348,000 | 9,980,000 | 9,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,189,000 | 3,219,000 | 4,225,000 |
| Interest expense | 105,000 | 177,000 | 244,000 | 309,000 |
| Net interest income | 997,000 | 2,012,000 | 2,975,000 | 3,916,000 |
| Noninterest income | 39,000 | 67,000 | 117,000 | 241,000 |
| Noninterest expense | 819,000 | 1,660,000 | 2,502,000 | 3,407,000 |
| Provision for loan losses | 20,000 | 20,000 | 75,000 | 105,000 |
| Pretax income | 197,000 | 399,000 | 515,000 | 645,000 |
| Income tax | 15,000 | 19,000 | 21,000 | 21,000 |
| Net income | 182,000 | 380,000 | 494,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,330,000 | 11,529,000 | 11,643,000 | 11,367,000 |
| Total capital | 12,212,000 | 12,430,000 | 12,504,000 | 12,196,000 |
| Risk-weighted assets | 70,483,000 | 72,007,000 | 68,468,000 | 66,315,000 |