Call reports 2003
LUANA SAVINGS BANK — 2003
What LUANA SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,677,000 | 108,879,000 | 112,611,000 | 111,584,000 |
| Total loans | 81,716,000 | 84,201,000 | 86,720,000 | 85,598,000 |
| Allowance for loan losses | 1,028,000 | 1,052,000 | 1,078,000 | 1,108,000 |
| Securities available for sale | 19,924,000 | 20,755,000 | 20,887,000 | 21,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,362,000 | 71,894,000 | 74,239,000 | 72,548,000 |
| Interest-bearing deposits | 69,718,000 | 68,626,000 | 70,367,000 | 68,267,000 |
| Noninterest-bearing deposits | 3,644,000 | 3,268,000 | 3,872,000 | 4,281,000 |
| Equity capital | 10,510,000 | 11,349,000 | 11,212,000 | 11,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,399,000 | 5,124,000 | 6,830,000 |
| Interest expense | 760,000 | 1,520,000 | 2,277,000 | 3,017,000 |
| Net interest income | 924,000 | 1,879,000 | 2,847,000 | 3,813,000 |
| Noninterest income | 95,000 | 206,000 | 302,000 | 387,000 |
| Noninterest expense | 330,000 | 668,000 | 1,070,000 | 1,863,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 659,000 | 1,357,000 | 1,989,000 | 2,217,000 |
| Income tax | 20,000 | 45,000 | 86,000 | 110,000 |
| Net income | 639,000 | 1,312,000 | 1,903,000 | 2,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,660,000 | 9,968,000 | 10,262,000 | 10,365,000 |
| Total capital | 10,688,000 | 11,007,000 | 11,340,000 | 11,409,000 |
| Risk-weighted assets | 82,394,000 | 83,070,000 | 86,609,000 | 83,440,000 |