Call reports 2011
BANK OF LAVERNE — 2011
What BANK OF LAVERNE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 56,279,000 | 61,040,000 | 61,336,000 | 63,545,000 |
| Total loans | 22,768,000 | 22,461,000 | 21,345,000 | 21,303,000 |
| Allowance for loan losses | 378,000 | 399,000 | 399,000 | 427,000 |
| Securities available for sale | 22,228,000 | 25,140,000 | 21,310,000 | 23,849,000 |
| Securities held to maturity | 940,000 | 940,000 | 790,000 | 790,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,740,000 | 50,945,000 | 50,765,000 | 53,480,000 |
| Interest-bearing deposits | 35,097,000 | 39,069,000 | 38,511,000 | 40,319,000 |
| Noninterest-bearing deposits | 11,644,000 | 11,876,000 | 12,254,000 | 13,161,000 |
| Equity capital | 9,170,000 | 9,552,000 | 9,900,000 | 9,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,200,000 | 1,805,000 | 2,346,000 |
| Interest expense | 75,000 | 150,000 | 222,000 | 281,000 |
| Net interest income | 519,000 | 1,050,000 | 1,583,000 | 2,065,000 |
| Noninterest income | 64,000 | 142,000 | 225,000 | 296,000 |
| Noninterest expense | 359,000 | 761,000 | 1,217,000 | 1,709,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 224,000 | 431,000 | 670,000 | 731,000 |
| Income tax | 38,000 | 74,000 | 122,000 | 94,000 |
| Net income | 186,000 | 357,000 | 548,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,931,000 | 9,102,000 | 9,293,000 | 8,922,000 |
| Total capital | 9,293,000 | 9,497,000 | 9,686,000 | 9,322,000 |
| Risk-weighted assets | 31,524,000 | 32,259,000 | 31,467,000 | 32,018,000 |