Call reports 2007
LUANA SAVINGS BANK — 2007
What LUANA SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 191,728,000 | 199,242,000 | 202,942,000 | 216,731,000 |
| Total loans | 143,196,000 | 146,499,000 | 149,992,000 | 155,935,000 |
| Allowance for loan losses | 1,650,000 | 1,680,000 | 1,699,000 | 1,860,000 |
| Securities available for sale | 38,868,000 | 39,484,000 | 41,418,000 | 44,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,352,000 | 145,137,000 | 125,257,000 | 141,942,000 |
| Interest-bearing deposits | 128,804,000 | 138,989,000 | 119,463,000 | 133,555,000 |
| Noninterest-bearing deposits | 5,548,000 | 6,148,000 | 5,794,000 | 8,387,000 |
| Equity capital | 16,405,000 | 16,343,000 | 17,137,000 | 17,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,035,000 | 6,247,000 | 9,568,000 | 13,065,000 |
| Interest expense | 1,792,000 | 3,810,000 | 5,876,000 | 8,066,000 |
| Net interest income | 1,243,000 | 2,437,000 | 3,692,000 | 4,999,000 |
| Noninterest income | 110,000 | 223,000 | 336,000 | 472,000 |
| Noninterest expense | 556,000 | 1,099,000 | 1,672,000 | 2,560,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 287,000 |
| Pretax income | 767,000 | 1,501,000 | 2,266,000 | 2,624,000 |
| Income tax | 12,000 | 57,000 | 89,000 | 127,000 |
| Net income | 755,000 | 1,444,000 | 2,177,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,906,000 | 16,574,000 | 17,137,000 | 17,437,000 |
| Total capital | 17,556,000 | 18,254,000 | 18,836,000 | 19,297,000 |
| Risk-weighted assets | 145,795,000 | 150,157,000 | 154,207,000 | 161,186,000 |