Call reports 2003
BANK OF LUXEMBURG — 2003
What BANK OF LUXEMBURG reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 157,113,000 | 170,994,000 | 161,641,000 | 167,080,000 |
| Total loans | 123,500,000 | 126,880,000 | 128,288,000 | 133,984,000 |
| Allowance for loan losses | 1,618,000 | 1,741,000 | 1,829,000 | 1,880,000 |
| Securities available for sale | 13,128,000 | 12,137,000 | 11,234,000 | 10,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,005,000 | 150,384,000 | 142,618,000 | 148,078,000 |
| Interest-bearing deposits | 113,691,000 | 115,894,000 | 122,109,000 | 125,456,000 |
| Noninterest-bearing deposits | 23,315,000 | 34,490,000 | 20,510,000 | 22,622,000 |
| Equity capital | 14,484,000 | 14,912,000 | 15,306,000 | 15,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,173,000 | 6,236,000 | 8,314,000 |
| Interest expense | 774,000 | 1,504,000 | 2,189,000 | 2,809,000 |
| Net interest income | 1,308,000 | 2,669,000 | 4,047,000 | 5,505,000 |
| Noninterest income | 768,000 | 1,797,000 | 2,636,000 | 3,157,000 |
| Noninterest expense | 1,128,000 | 2,444,000 | 3,762,000 | 5,157,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 525,000 |
| Pretax income | 798,000 | 1,722,000 | 2,471,000 | 2,980,000 |
| Income tax | 255,000 | 559,000 | 795,000 | 896,000 |
| Net income | 543,000 | 1,163,000 | 1,676,000 | 2,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,953,000 | 14,307,000 | 14,817,000 | 14,976,000 |
| Total capital | 15,571,000 | 16,039,000 | 16,539,000 | 16,856,000 |
| Risk-weighted assets | 130,121,000 | 138,540,000 | 137,616,000 | 164,312,000 |