Call reports 2004
BANK OF LAVERNE — 2004
What BANK OF LAVERNE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,410,000 | 47,869,000 | 47,239,000 | 48,282,000 |
| Total loans | 16,185,000 | 16,606,000 | 18,322,000 | 18,585,000 |
| Allowance for loan losses | 476,000 | 467,000 | 360,000 | 349,000 |
| Securities available for sale | 10,094,000 | 14,301,000 | 14,569,000 | 14,026,000 |
| Securities held to maturity | 11,532,000 | 9,632,000 | 7,348,000 | 5,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,189,000 | 39,813,000 | 38,668,000 | 40,178,000 |
| Interest-bearing deposits | 31,798,000 | 31,747,000 | 31,089,000 | 31,818,000 |
| Noninterest-bearing deposits | 7,391,000 | 8,066,000 | 7,580,000 | 8,361,000 |
| Equity capital | 7,912,000 | 7,836,000 | 8,174,000 | 7,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 586,000 | 1,186,000 | 1,791,000 | 2,376,000 |
| Interest expense | 116,000 | 234,000 | 354,000 | 476,000 |
| Net interest income | 470,000 | 952,000 | 1,437,000 | 1,900,000 |
| Noninterest income | 53,000 | 121,000 | 198,000 | 257,000 |
| Noninterest expense | 293,000 | 596,000 | 957,000 | 1,373,000 |
| Provision for loan losses | 37,000 | 47,000 | 68,000 | 100,000 |
| Pretax income | 193,000 | 430,000 | 610,000 | 684,000 |
| Income tax | 63,000 | 140,000 | 197,000 | 219,000 |
| Net income | 130,000 | 290,000 | 413,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,854,000 | 8,014,000 | 8,136,000 | 7,939,000 |
| Total capital | 8,137,000 | 8,303,000 | 8,440,000 | 8,247,000 |
| Risk-weighted assets | 22,445,000 | 22,950,000 | 24,254,000 | 24,561,000 |