Call reports 2002
BANK OF LAVERNE — 2002
What BANK OF LAVERNE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 46,999,000 | 46,349,000 | 46,341,000 | 46,619,000 |
| Total loans | 14,169,000 | 13,845,000 | 14,162,000 | 14,776,000 |
| Allowance for loan losses | 389,000 | 397,000 | 386,000 | 389,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,347,000 | 24,848,000 | 22,267,000 | 22,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,005,000 | 38,212,000 | 38,065,000 | 38,765,000 |
| Interest-bearing deposits | 32,480,000 | 31,709,000 | 31,766,000 | 31,406,000 |
| Noninterest-bearing deposits | 6,525,000 | 6,503,000 | 6,299,000 | 7,359,000 |
| Equity capital | 7,519,000 | 7,664,000 | 7,771,000 | 7,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 716,000 | 1,419,000 | 2,104,000 | 2,762,000 |
| Interest expense | 228,000 | 449,000 | 656,000 | 844,000 |
| Net interest income | 488,000 | 970,000 | 1,448,000 | 1,918,000 |
| Noninterest income | 116,000 | 170,000 | 230,000 | 280,000 |
| Noninterest expense | 270,000 | 579,000 | 945,000 | 1,380,000 |
| Provision for loan losses | 50,000 | 59,000 | 70,000 | 95,000 |
| Pretax income | 284,000 | 502,000 | 663,000 | 723,000 |
| Income tax | 97,000 | 170,000 | 224,000 | 243,000 |
| Net income | 187,000 | 332,000 | 439,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,519,000 | 7,664,000 | 7,771,000 | 7,582,000 |
| Total capital | 7,761,000 | 7,905,000 | 8,026,000 | 7,847,000 |
| Risk-weighted assets | 19,245,000 | 19,091,000 | 20,350,000 | 21,058,000 |