Call reports 2002
LUANA SAVINGS BANK — 2002
What LUANA SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 94,573,000 | 95,885,000 | 100,040,000 | 102,194,000 |
| Total loans | 73,386,000 | 74,031,000 | 76,977,000 | 77,540,000 |
| Allowance for loan losses | 865,000 | 911,000 | 960,000 | 1,000,000 |
| Securities available for sale | 13,235,000 | 13,859,000 | 15,234,000 | 20,335,000 |
| Securities held to maturity | 3,581,000 | 3,288,000 | 3,109,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,733,000 | 64,353,000 | 65,871,000 | 69,611,000 |
| Interest-bearing deposits | 60,620,000 | 61,655,000 | 63,098,000 | 65,019,000 |
| Noninterest-bearing deposits | 3,113,000 | 2,698,000 | 2,773,000 | 4,592,000 |
| Equity capital | 8,777,000 | 9,401,000 | 9,895,000 | 10,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,652,000 | 3,360,000 | 5,053,000 | 6,725,000 |
| Interest expense | 850,000 | 1,671,000 | 2,494,000 | 3,297,000 |
| Net interest income | 802,000 | 1,689,000 | 2,559,000 | 3,428,000 |
| Noninterest income | 85,000 | 185,000 | 270,000 | 370,000 |
| Noninterest expense | 297,000 | 644,000 | 988,000 | 1,495,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 288,000 |
| Pretax income | 545,000 | 1,140,000 | 1,706,000 | 2,015,000 |
| Income tax | 20,000 | 40,000 | 59,000 | 112,000 |
| Net income | 525,000 | 1,100,000 | 1,647,000 | 1,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,435,000 | 8,795,000 | 9,109,000 | 9,159,000 |
| Total capital | 9,300,000 | 9,706,000 | 10,069,000 | 10,140,000 |
| Risk-weighted assets | 72,020,000 | 72,994,000 | 76,907,000 | 78,418,000 |