Call reports 2005
LUANA SAVINGS BANK — 2005
What LUANA SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 137,388,000 | 143,318,000 | 151,208,000 | 153,934,000 |
| Total loans | 106,091,000 | 107,938,000 | 114,055,000 | 115,658,000 |
| Allowance for loan losses | 1,233,000 | 1,265,000 | 1,295,000 | 1,400,000 |
| Securities available for sale | 26,184,000 | 29,427,000 | 30,755,000 | 32,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,059,000 | 95,202,000 | 101,106,000 | 111,077,000 |
| Interest-bearing deposits | 87,635,000 | 90,048,000 | 96,085,000 | 104,930,000 |
| Noninterest-bearing deposits | 4,424,000 | 5,154,000 | 5,021,000 | 6,147,000 |
| Equity capital | 12,964,000 | 13,922,000 | 14,008,000 | 14,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,938,000 | 4,014,000 | 6,220,000 | 8,513,000 |
| Interest expense | 828,000 | 1,772,000 | 2,841,000 | 4,082,000 |
| Net interest income | 1,110,000 | 2,242,000 | 3,379,000 | 4,431,000 |
| Noninterest income | 105,000 | 211,000 | 345,000 | 475,000 |
| Noninterest expense | 426,000 | 889,000 | 1,360,000 | 1,962,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 194,000 |
| Pretax income | 759,000 | 1,504,000 | 2,274,000 | 2,750,000 |
| Income tax | 17,000 | 48,000 | 78,000 | 108,000 |
| Net income | 742,000 | 1,456,000 | 2,196,000 | 2,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,695,000 | 13,129,000 | 13,579,000 | 13,885,000 |
| Total capital | 13,928,000 | 14,394,000 | 14,874,000 | 15,285,000 |
| Risk-weighted assets | 103,137,000 | 106,456,000 | 113,430,000 | 114,630,000 |