PackageTrendsPeer
Letter portraitLegal landscape

Bank of Laverne

Laverne, OK · Cert 4130

FDIC · 1 branch

Q2 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bank of Laverne

Laverne, OK · Cert 4130

FDIC · 1 branch

Q2 2020

$65.3MAssets
$26.6MLoans
$54.5MDeposits
$10.3MEquity
Loan mix
41%RE $4.5M35%C&I $3.8M23%Consumer $2.6MQ2 2019Q2 2020
Deposit mix
72%Interest-bearing $39.0M28%Noninterest $15.5MQ2 2019Q2 2020

NIM

4.17%Q2 ’184.62%Q2 ’194.02%Q2 ’20+7%-12%

Non-interest income vs. expense

2.63%Q2 ’182.59%Q2 ’192.44%Q2 ’20-1%-5%

Executive Summary

  • Earnings: ROA of 1.33%, down 20 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.78% of loans (-19 bps YoY), with net charge-offs at 0.51%.
  • Capital: tier 1 leverage ratio of 15.34%, down 102 bps from a year ago.
  • Funding: loans stand at 48.82% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

1.33%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-49 bps YoY

Efficiency Ratio (YTD, annualized)

63.76%+434 bps YoY

Tier 1 Leverage Ratio

15.34%-102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets1.53%1.32%1.10%1.15%1.33%-20 bps
Return on Equity9.45%7.99%6.66%7.33%8.44%-101 bps
Net Interest Margin4.02%4.08%4.06%3.61%3.53%-49 bps
Efficiency Ratio59.42%64.76%74.62%65.99%63.76%+434 bps
Non-Interest Burden2.25%2.51%2.94%2.27%2.14%-11 bps
Growth
Asset Growth (YoY)0.07%-2.11%0.29%-1.02%10.48%+1,041 bps
Loan Growth (YoY)3.65%1.53%-10.48%-9.11%-8.72%-1,237 bps
Deposit Growth (YoY)-1.12%-4.11%-0.53%-0.28%11.68%+1,280 bps
Asset Quality
Nonperforming Loans / Loans1.97%1.99%2.30%1.92%1.78%-19 bps
Net Charge-Offs / Loans0.03%0.01%-0.15%1.48%0.51%+48 bps
Allowance / Loans3.56%3.80%3.75%3.36%3.38%-18 bps
Allowance Coverage of NPLs1.8x1.9x1.6x1.7x1.9x+0.1x
Capital
Tier 1 Leverage Ratio16.36%17.11%16.12%15.88%15.34%-102 bps
Total Risk-Based Capital27.40%27.66%26.86%15.88%15.34%-1,206 bps
Equity / Assets16.95%17.85%16.19%15.30%15.79%-116 bps
Liquidity & Funding
Loans / Deposits59.74%58.89%53.30%52.62%48.82%-1,091 bps
Liquid Assets / Assets11.22%9.53%7.46%15.77%10.04%-118 bps
CRE / Total Capitaln/an/an/an/an/an/an/a