Call reports 2008
BANK OF LAVERNE — 2008
What BANK OF LAVERNE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,187,000 | 56,564,000 | 56,084,000 | 57,541,000 |
| Total loans | 21,277,000 | 21,353,000 | 20,903,000 | 21,629,000 |
| Allowance for loan losses | 317,000 | 374,000 | 412,000 | 438,000 |
| Securities available for sale | 16,548,000 | 17,499,000 | 18,880,000 | 17,362,000 |
| Securities held to maturity | 2,789,000 | 2,490,000 | 2,529,000 | 1,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,612,000 | 47,182,000 | 46,561,000 | 48,144,000 |
| Interest-bearing deposits | 36,186,000 | 35,324,000 | 34,910,000 | 36,245,000 |
| Noninterest-bearing deposits | 10,426,000 | 11,859,000 | 11,651,000 | 11,899,000 |
| Equity capital | 8,973,000 | 8,920,000 | 9,079,000 | 9,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 821,000 | 1,587,000 | 2,351,000 | 3,101,000 |
| Interest expense | 279,000 | 508,000 | 708,000 | 883,000 |
| Net interest income | 542,000 | 1,079,000 | 1,643,000 | 2,218,000 |
| Noninterest income | 71,000 | 153,000 | 256,000 | 298,000 |
| Noninterest expense | 316,000 | 644,000 | 1,043,000 | 1,527,000 |
| Provision for loan losses | 29,000 | 79,000 | 160,000 | 194,000 |
| Pretax income | 268,000 | 509,000 | 696,000 | 795,000 |
| Income tax | 81,000 | 153,000 | 204,000 | 222,000 |
| Net income | 187,000 | 356,000 | 492,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,809,000 | 8,977,000 | 9,115,000 | 8,885,000 |
| Total capital | 9,126,000 | 9,335,000 | 9,468,000 | 9,246,000 |
| Risk-weighted assets | 28,357,000 | 28,615,000 | 28,154,000 | 28,776,000 |
Machine access — free, no API key
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