Call reports 2012
BANK OF LAVERNE — 2012
What BANK OF LAVERNE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,672,000 | 64,872,000 | 64,530,000 | 64,993,000 |
| Total loans | 25,017,000 | 24,388,000 | 22,630,000 | 21,844,000 |
| Allowance for loan losses | 456,000 | 309,000 | 287,000 | 273,000 |
| Securities available for sale | 24,612,000 | 21,321,000 | 20,904,000 | 22,442,000 |
| Securities held to maturity | 790,000 | 690,000 | 460,000 | 240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,513,000 | 54,289,000 | 53,893,000 | 54,860,000 |
| Interest-bearing deposits | 41,423,000 | 40,183,000 | 40,480,000 | 41,015,000 |
| Noninterest-bearing deposits | 14,090,000 | 14,106,000 | 13,413,000 | 13,845,000 |
| Equity capital | 9,637,000 | 9,934,000 | 10,000,000 | 9,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 574,000 | 1,155,000 | 1,709,000 | 2,254,000 |
| Interest expense | 55,000 | 104,000 | 150,000 | 193,000 |
| Net interest income | 519,000 | 1,051,000 | 1,559,000 | 2,061,000 |
| Noninterest income | 66,000 | 129,000 | 204,000 | 267,000 |
| Noninterest expense | 398,000 | 779,000 | 1,237,000 | 1,740,000 |
| Provision for loan losses | 15,000 | 37,000 | 106,000 | 106,000 |
| Pretax income | 335,000 | 527,000 | 583,000 | 645,000 |
| Income tax | 80,000 | 105,000 | 88,000 | 54,000 |
| Net income | 255,000 | 422,000 | 495,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,177,000 | 9,345,000 | 9,417,000 | 9,064,000 |
| Total capital | 9,603,000 | 9,654,000 | 9,704,000 | 9,337,000 |
| Risk-weighted assets | 34,039,000 | 33,270,000 | 29,325,000 | 31,940,000 |