Call reports 2019
BANK OF LAVERNE — 2019
What BANK OF LAVERNE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 60,982,000 | 59,091,000 | 57,056,000 | 59,651,000 |
| Total loans | 29,506,000 | 29,171,000 | 27,412,000 | 26,555,000 |
| Allowance for loan losses | 1,055,000 | 1,039,000 | 1,041,000 | 995,000 |
| Securities available for sale | 16,312,000 | 16,485,000 | 16,400,000 | 16,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,112,000 | 48,833,000 | 46,549,000 | 49,823,000 |
| Interest-bearing deposits | 36,343,000 | 34,427,000 | 33,048,000 | 34,225,000 |
| Noninterest-bearing deposits | 14,769,000 | 14,407,000 | 13,501,000 | 15,598,000 |
| Equity capital | 9,656,000 | 10,015,000 | 10,183,000 | 9,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,377,000 | 2,040,000 | 2,704,000 |
| Interest expense | 88,000 | 178,000 | 270,000 | 360,000 |
| Net interest income | 596,000 | 1,199,000 | 1,770,000 | 2,344,000 |
| Noninterest income | 49,000 | 102,000 | 168,000 | 217,000 |
| Noninterest expense | 375,000 | 773,000 | 1,255,000 | 1,911,000 |
| Provision for loan losses | 0 | 0 | 0 | -90,000 |
| Pretax income | 277,000 | 535,000 | 690,000 | 747,000 |
| Income tax | 48,000 | 78,000 | 103,000 | 96,000 |
| Net income | 229,000 | 457,000 | 587,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,530,000 | 9,759,000 | 9,888,000 | 9,304,000 |
| Total capital | 10,009,000 | 10,233,000 | 10,364,000 | 9,765,000 |
| Risk-weighted assets | 37,752,000 | 37,348,000 | 37,476,000 | 36,355,000 |