Call reports 2004
LUANA SAVINGS BANK — 2004
What LUANA SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 119,713,000 | 124,758,000 | 129,797,000 | 130,977,000 |
| Total loans | 92,056,000 | 96,235,000 | 99,562,000 | 100,675,000 |
| Allowance for loan losses | 1,154,000 | 1,204,000 | 1,161,000 | 1,200,000 |
| Securities available for sale | 22,901,000 | 23,278,000 | 24,488,000 | 24,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,379,000 | 80,123,000 | 82,620,000 | 84,836,000 |
| Interest-bearing deposits | 73,534,000 | 76,331,000 | 78,652,000 | 79,873,000 |
| Noninterest-bearing deposits | 3,845,000 | 3,792,000 | 3,968,000 | 4,963,000 |
| Equity capital | 12,025,000 | 11,907,000 | 12,927,000 | 12,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,711,000 | 3,521,000 | 5,367,000 | 7,247,000 |
| Interest expense | 694,000 | 1,407,000 | 2,152,000 | 2,964,000 |
| Net interest income | 1,017,000 | 2,114,000 | 3,215,000 | 4,283,000 |
| Noninterest income | 98,000 | 207,000 | 317,000 | 412,000 |
| Noninterest expense | 382,000 | 785,000 | 1,196,000 | 2,045,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 141,000 |
| Pretax income | 703,000 | 1,476,000 | 2,246,000 | 2,509,000 |
| Income tax | 23,000 | 55,000 | 83,000 | 135,000 |
| Net income | 680,000 | 1,421,000 | 2,163,000 | 2,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,910,000 | 11,536,000 | 12,016,000 | 12,103,000 |
| Total capital | 12,037,000 | 12,715,000 | 13,177,000 | 13,303,000 |
| Risk-weighted assets | 90,145,000 | 94,323,000 | 98,093,000 | 98,246,000 |