Call reports 2014
BANK OF LAVERNE — 2014
What BANK OF LAVERNE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 63,999,000 | 65,174,000 | 64,545,000 | 66,565,000 |
| Total loans | 25,852,000 | 23,370,000 | 23,329,000 | 24,017,000 |
| Allowance for loan losses | 257,000 | 239,000 | 260,000 | 246,000 |
| Securities available for sale | 26,527,000 | 26,150,000 | 26,115,000 | 21,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,209,000 | 54,927,000 | 53,991,000 | 56,491,000 |
| Interest-bearing deposits | 39,331,000 | 39,122,000 | 39,312,000 | 39,377,000 |
| Noninterest-bearing deposits | 14,879,000 | 15,805,000 | 14,678,000 | 17,114,000 |
| Equity capital | 9,501,000 | 9,804,000 | 10,011,000 | 9,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,177,000 | 1,757,000 | 2,319,000 |
| Interest expense | 36,000 | 72,000 | 109,000 | 145,000 |
| Net interest income | 559,000 | 1,105,000 | 1,648,000 | 2,174,000 |
| Noninterest income | 56,000 | 116,000 | 185,000 | 240,000 |
| Noninterest expense | 373,000 | 744,000 | 1,190,000 | 1,672,000 |
| Provision for loan losses | 20,000 | 24,000 | 24,000 | 26,000 |
| Pretax income | 222,000 | 453,000 | 619,000 | 813,000 |
| Income tax | 29,000 | 70,000 | 89,000 | 142,000 |
| Net income | 193,000 | 383,000 | 530,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,365,000 | 9,555,000 | 9,702,000 | 9,293,000 |
| Total capital | 9,622,000 | 9,794,000 | 9,962,000 | 9,539,000 |
| Risk-weighted assets | 35,918,000 | 34,409,000 | 33,953,000 | 33,610,000 |