Call reports 2005
BANK OF LAVERNE — 2005
What BANK OF LAVERNE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 48,469,000 | 49,860,000 | 50,840,000 | 51,888,000 |
| Total loans | 19,554,000 | 19,070,000 | 19,039,000 | 19,270,000 |
| Allowance for loan losses | 360,000 | 343,000 | 355,000 | 339,000 |
| Securities available for sale | 15,673,000 | 15,388,000 | 16,402,000 | 17,571,000 |
| Securities held to maturity | 5,958,000 | 6,359,000 | 6,359,000 | 6,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,280,000 | 41,315,000 | 42,200,000 | 43,686,000 |
| Interest-bearing deposits | 32,415,000 | 32,578,000 | 33,137,000 | 33,373,000 |
| Noninterest-bearing deposits | 7,866,000 | 8,737,000 | 9,063,000 | 10,313,000 |
| Equity capital | 7,949,000 | 8,195,000 | 8,265,000 | 7,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,226,000 | 1,883,000 | 2,571,000 |
| Interest expense | 138,000 | 298,000 | 485,000 | 691,000 |
| Net interest income | 457,000 | 928,000 | 1,398,000 | 1,880,000 |
| Noninterest income | 53,000 | 116,000 | 191,000 | 250,000 |
| Noninterest expense | 294,000 | 606,000 | 976,000 | 1,412,000 |
| Provision for loan losses | 0 | 8,000 | 8,000 | 26,000 |
| Pretax income | 216,000 | 430,000 | 605,000 | 620,000 |
| Income tax | 69,000 | 137,000 | 190,000 | 191,000 |
| Net income | 147,000 | 293,000 | 415,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,085,000 | 8,232,000 | 8,354,000 | 8,148,000 |
| Total capital | 8,403,000 | 8,549,000 | 8,674,000 | 8,473,000 |
| Risk-weighted assets | 25,377,000 | 25,319,000 | 25,549,000 | 26,014,000 |