Call reports 2009
BANK OF LAVERNE — 2009
What BANK OF LAVERNE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,460,000 | 54,523,000 | 53,236,000 | 55,385,000 |
| Total loans | 21,200,000 | 21,862,000 | 21,290,000 | 22,447,000 |
| Allowance for loan losses | 450,000 | 403,000 | 403,000 | 334,000 |
| Securities available for sale | 14,593,000 | 14,862,000 | 16,572,000 | 17,988,000 |
| Securities held to maturity | 1,930,000 | 1,930,000 | 1,440,000 | 1,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,836,000 | 44,828,000 | 43,079,000 | 45,668,000 |
| Interest-bearing deposits | 35,618,000 | 34,574,000 | 33,103,000 | 34,885,000 |
| Noninterest-bearing deposits | 11,218,000 | 10,254,000 | 9,976,000 | 10,783,000 |
| Equity capital | 9,201,000 | 9,288,000 | 9,661,000 | 9,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,300,000 | 1,954,000 | 2,574,000 |
| Interest expense | 149,000 | 276,000 | 385,000 | 488,000 |
| Net interest income | 514,000 | 1,024,000 | 1,569,000 | 2,086,000 |
| Noninterest income | 64,000 | 131,000 | 214,000 | 294,000 |
| Noninterest expense | 329,000 | 688,000 | 1,095,000 | 1,598,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 105,000 |
| Pretax income | 249,000 | 471,000 | 687,000 | 681,000 |
| Income tax | 67,000 | 122,000 | 173,000 | 143,000 |
| Net income | 182,000 | 349,000 | 514,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,066,000 | 9,234,000 | 9,399,000 | 9,123,000 |
| Total capital | 9,420,000 | 9,594,000 | 9,747,000 | 9,457,000 |
| Risk-weighted assets | 28,226,000 | 28,781,000 | 27,806,000 | 30,181,000 |
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