Call reports 2015
BANK OF LAVERNE — 2015
What BANK OF LAVERNE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,230,000 | 63,512,000 | 62,625,000 | 62,773,000 |
| Total loans | 25,974,000 | 27,614,000 | 28,098,000 | 30,031,000 |
| Allowance for loan losses | 248,000 | 327,000 | 327,000 | 409,000 |
| Securities available for sale | 19,689,000 | 20,448,000 | 20,046,000 | 18,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,844,000 | 53,210,000 | 51,978,000 | 52,680,000 |
| Interest-bearing deposits | 40,758,000 | 37,800,000 | 37,668,000 | 37,030,000 |
| Noninterest-bearing deposits | 17,086,000 | 15,410,000 | 14,311,000 | 15,650,000 |
| Equity capital | 9,870,000 | 9,870,000 | 10,123,000 | 9,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 567,000 | 1,184,000 | 1,799,000 | 2,434,000 |
| Interest expense | 35,000 | 71,000 | 107,000 | 141,000 |
| Net interest income | 532,000 | 1,113,000 | 1,692,000 | 2,293,000 |
| Noninterest income | 56,000 | 112,000 | 183,000 | 242,000 |
| Noninterest expense | 367,000 | 763,000 | 1,190,000 | 1,696,000 |
| Provision for loan losses | 14,000 | 110,000 | 110,000 | 205,000 |
| Pretax income | 291,000 | 436,000 | 659,000 | 718,000 |
| Income tax | 63,000 | 79,000 | 113,000 | 112,000 |
| Net income | 228,000 | 357,000 | 546,000 | 606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,521,000 | 9,650,000 | 9,840,000 | 9,449,000 |
| Total capital | 9,769,000 | 9,977,000 | 10,167,000 | 9,858,000 |
| Risk-weighted assets | 35,795,000 | 36,375,000 | 36,964,000 | 38,227,000 |
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