Call reports 2004
BANK OF LUXEMBURG — 2004
What BANK OF LUXEMBURG reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,596,000 | 173,999,000 | 179,958,000 | 179,994,000 |
| Total loans | 140,126,000 | 145,615,000 | 149,995,000 | 151,216,000 |
| Allowance for loan losses | 1,951,000 | 1,617,000 | 1,692,000 | 2,100,000 |
| Securities available for sale | 11,879,000 | 11,915,000 | 12,367,000 | 13,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,159,000 | 153,236,000 | 158,918,000 | 158,661,000 |
| Interest-bearing deposits | 124,655,000 | 130,042,000 | 134,217,000 | 134,591,000 |
| Noninterest-bearing deposits | 21,504,000 | 23,194,000 | 24,701,000 | 24,070,000 |
| Equity capital | 15,850,000 | 15,603,000 | 16,209,000 | 16,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,091,000 | 4,225,000 | 6,517,000 | 8,908,000 |
| Interest expense | 592,000 | 1,187,000 | 1,792,000 | 2,432,000 |
| Net interest income | 1,499,000 | 3,038,000 | 4,725,000 | 6,476,000 |
| Noninterest income | 467,000 | 1,028,000 | 1,554,000 | 2,062,000 |
| Noninterest expense | 1,333,000 | 2,779,000 | 4,205,000 | 5,491,000 |
| Provision for loan losses | 75,000 | 650,000 | 725,000 | 1,250,000 |
| Pretax income | 558,000 | 637,000 | 1,349,000 | 1,880,000 |
| Income tax | 190,000 | 133,000 | 354,000 | 571,000 |
| Net income | 368,000 | 504,000 | 995,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,349,000 | 15,334,000 | 15,836,000 | 16,359,000 |
| Total capital | 17,300,000 | 16,951,000 | 17,528,000 | 18,459,000 |
| Risk-weighted assets | 168,700,000 | 174,358,000 | 171,438,000 | 169,650,000 |