Call reports 2016
LAWSON BANK — 2016
What LAWSON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 125,964,000 | 125,455,000 | 128,597,000 | 119,234,000 |
| Total loans | 50,875,000 | 52,938,000 | 53,575,000 | 52,685,000 |
| Allowance for loan losses | 923,000 | 928,000 | 923,000 | 934,000 |
| Securities available for sale | 30,503,000 | 31,466,000 | 31,169,000 | 46,770,000 |
| Securities held to maturity | 16,120,000 | 10,725,000 | 13,023,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,893,000 | 112,343,000 | 115,285,000 | 107,306,000 |
| Interest-bearing deposits | 82,010,000 | 80,295,000 | 85,163,000 | 81,648,000 |
| Noninterest-bearing deposits | 31,883,000 | 32,048,000 | 30,122,000 | 25,658,000 |
| Equity capital | 12,022,000 | 13,024,000 | 13,226,000 | 11,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 985,000 | 1,949,000 | 2,931,000 | 3,871,000 |
| Interest expense | 50,000 | 94,000 | 142,000 | 190,000 |
| Net interest income | 935,000 | 1,855,000 | 2,789,000 | 3,681,000 |
| Noninterest income | 156,000 | 318,000 | 484,000 | 646,000 |
| Noninterest expense | 928,000 | 1,788,000 | 2,679,000 | 3,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 163,000 | 385,000 | 751,000 | 730,000 |
| Income tax | -2,000 | 3,000 | 9,000 | 15,000 |
| Net income | 165,000 | 382,000 | 742,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,721,000 | 12,938,000 | 13,048,000 | 12,595,000 |
| Total capital | 13,603,000 | 13,830,000 | 13,944,000 | 13,504,000 |
| Risk-weighted assets | 70,486,000 | 71,340,000 | 71,646,000 | 72,751,000 |