Call reports 2015
LAWSON BANK — 2015
What LAWSON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,013,000 | 124,633,000 | 123,291,000 | 120,475,000 |
| Total loans | 49,215,000 | 51,091,000 | 50,681,000 | 51,913,000 |
| Allowance for loan losses | 900,000 | 910,000 | 917,000 | 924,000 |
| Securities available for sale | 16,421,000 | 21,410,000 | 21,922,000 | 28,595,000 |
| Securities held to maturity | 23,196,000 | 23,231,000 | 22,336,000 | 20,526,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,312,000 | 113,889,000 | 112,129,000 | 108,973,000 |
| Interest-bearing deposits | 85,271,000 | 84,201,000 | 80,786,000 | 79,368,000 |
| Noninterest-bearing deposits | 29,041,000 | 29,688,000 | 31,343,000 | 29,605,000 |
| Equity capital | 10,631,000 | 10,657,000 | 11,037,000 | 11,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,887,000 | 2,863,000 | 3,872,000 |
| Interest expense | 50,000 | 99,000 | 150,000 | 194,000 |
| Net interest income | 888,000 | 1,788,000 | 2,713,000 | 3,678,000 |
| Noninterest income | 161,000 | 319,000 | 497,000 | 761,000 |
| Noninterest expense | 838,000 | 1,711,000 | 2,580,000 | 3,517,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 396,000 | 630,000 | 922,000 |
| Income tax | 2,000 | 7,000 | 12,000 | 22,000 |
| Net income | 209,000 | 389,000 | 618,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,866,000 | 12,047,000 | 12,274,000 | 12,556,000 |
| Total capital | 12,695,000 | 12,916,000 | 13,155,000 | 13,464,000 |
| Risk-weighted assets | 66,296,000 | 69,546,000 | 70,504,000 | 72,625,000 |