Call reports 2008
LUANA SAVINGS BANK — 2008
What LUANA SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 220,756,000 | 216,612,000 | 271,787,000 | 288,346,000 |
| Total loans | 162,377,000 | 160,512,000 | 206,116,000 | 217,230,000 |
| Allowance for loan losses | 1,864,000 | 1,888,000 | 2,256,000 | 2,690,000 |
| Securities available for sale | 46,292,000 | 45,814,000 | 47,214,000 | 52,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,902,000 | 140,838,000 | 191,131,000 | 200,918,000 |
| Interest-bearing deposits | 134,750,000 | 134,117,000 | 177,434,000 | 184,747,000 |
| Noninterest-bearing deposits | 7,152,000 | 6,721,000 | 13,697,000 | 16,171,000 |
| Equity capital | 16,512,000 | 15,654,000 | 17,083,000 | 16,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,464,000 | 6,851,000 | 11,724,000 | 15,943,000 |
| Interest expense | 2,041,000 | 4,050,000 | 6,630,000 | 8,749,000 |
| Net interest income | 1,423,000 | 2,801,000 | 5,094,000 | 7,194,000 |
| Noninterest income | 149,000 | 298,000 | 569,000 | 760,000 |
| Noninterest expense | 582,000 | 1,189,000 | 2,443,000 | 3,851,000 |
| Provision for loan losses | 0 | 27,000 | 27,000 | 645,000 |
| Pretax income | 990,000 | 1,883,000 | 3,196,000 | 3,372,000 |
| Income tax | 15,000 | 70,000 | 107,000 | 141,000 |
| Net income | 975,000 | 1,813,000 | 3,089,000 | 3,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,762,000 | 16,575,000 | 17,655,000 | 18,641,000 |
| Total capital | 18,626,000 | 18,463,000 | 19,911,000 | 21,331,000 |
| Risk-weighted assets | 168,182,000 | 169,603,000 | 216,343,000 | 220,253,000 |