Call reports 2007
BANK OF LAVERNE — 2007
What BANK OF LAVERNE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 55,009,000 | 53,120,000 | 52,367,000 | 54,137,000 |
| Total loans | 19,805,000 | 21,201,000 | 21,705,000 | 20,789,000 |
| Allowance for loan losses | 347,000 | 334,000 | 361,000 | 315,000 |
| Securities available for sale | 20,579,000 | 20,111,000 | 20,473,000 | 18,775,000 |
| Securities held to maturity | 5,609,000 | 4,989,000 | 4,889,000 | 4,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,139,000 | 44,394,000 | 42,911,000 | 44,948,000 |
| Interest-bearing deposits | 35,675,000 | 34,135,000 | 33,487,000 | 34,104,000 |
| Noninterest-bearing deposits | 10,464,000 | 10,259,000 | 9,424,000 | 10,843,000 |
| Equity capital | 8,394,000 | 8,329,000 | 8,695,000 | 8,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 808,000 | 1,649,000 | 2,499,000 | 3,329,000 |
| Interest expense | 295,000 | 599,000 | 912,000 | 1,210,000 |
| Net interest income | 513,000 | 1,050,000 | 1,587,000 | 2,119,000 |
| Noninterest income | 76,000 | 146,000 | 230,000 | 302,000 |
| Noninterest expense | 313,000 | 684,000 | 1,094,000 | 1,603,000 |
| Provision for loan losses | 54,000 | 98,000 | 126,000 | 143,000 |
| Pretax income | 222,000 | 414,000 | 597,000 | 675,000 |
| Income tax | 69,000 | 127,000 | 182,000 | 200,000 |
| Net income | 153,000 | 287,000 | 415,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,540,000 | 8,674,000 | 8,802,000 | 8,622,000 |
| Total capital | 8,877,000 | 9,008,000 | 9,154,000 | 8,937,000 |
| Risk-weighted assets | 26,975,000 | 27,702,000 | 28,143,000 | 27,524,000 |