Call reports 2006
LUANA SAVINGS BANK — 2006
What LUANA SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 162,633,000 | 171,280,000 | 179,305,000 | 181,036,000 |
| Total loans | 122,094,000 | 129,318,000 | 133,104,000 | 134,809,000 |
| Allowance for loan losses | 1,425,000 | 1,455,000 | 1,485,000 | 1,620,000 |
| Securities available for sale | 33,573,000 | 33,937,000 | 37,183,000 | 38,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,541,000 | 120,909,000 | 142,326,000 | 137,654,000 |
| Interest-bearing deposits | 104,425,000 | 115,538,000 | 136,767,000 | 130,134,000 |
| Noninterest-bearing deposits | 5,116,000 | 5,371,000 | 5,559,000 | 7,520,000 |
| Equity capital | 14,714,000 | 14,533,000 | 15,765,000 | 15,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,384,000 | 4,999,000 | 7,952,000 | 10,846,000 |
| Interest expense | 1,268,000 | 2,807,000 | 4,581,000 | 6,365,000 |
| Net interest income | 1,116,000 | 2,192,000 | 3,371,000 | 4,481,000 |
| Noninterest income | 174,000 | 354,000 | 306,000 | 407,000 |
| Noninterest expense | 484,000 | 989,000 | 1,512,000 | 2,203,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 238,000 |
| Pretax income | 776,000 | 1,497,000 | 2,075,000 | 2,447,000 |
| Income tax | 26,000 | 69,000 | 103,000 | 130,000 |
| Net income | 750,000 | 1,428,000 | 1,972,000 | 2,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,485,000 | 14,854,000 | 15,101,000 | 15,301,000 |
| Total capital | 15,910,000 | 16,309,000 | 16,586,000 | 16,921,000 |
| Risk-weighted assets | 122,101,000 | 129,253,000 | 136,425,000 | 136,290,000 |