Call reports 2005
BANK OF LUXEMBURG — 2005
What BANK OF LUXEMBURG reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 173,102,000 | 180,222,000 | 180,209,000 | 182,804,000 |
| Total loans | 148,969,000 | 149,673,000 | 150,936,000 | 150,933,000 |
| Allowance for loan losses | 2,183,000 | 2,273,000 | 2,269,000 | 2,328,000 |
| Securities available for sale | 13,150,000 | 14,712,000 | 14,568,000 | 15,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,064,000 | 158,982,000 | 159,049,000 | 161,547,000 |
| Interest-bearing deposits | 129,745,000 | 136,326,000 | 134,102,000 | 137,150,000 |
| Noninterest-bearing deposits | 22,319,000 | 22,656,000 | 24,947,000 | 24,397,000 |
| Equity capital | 17,167,000 | 17,395,000 | 17,789,000 | 18,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,480,000 | 4,974,000 | 7,723,000 | 10,465,000 |
| Interest expense | 674,000 | 1,507,000 | 2,464,000 | 3,511,000 |
| Net interest income | 1,806,000 | 3,467,000 | 5,259,000 | 6,954,000 |
| Noninterest income | 562,000 | 1,105,000 | 1,766,000 | 2,296,000 |
| Noninterest expense | 1,447,000 | 2,889,000 | 4,444,000 | 6,045,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,009,000 | 1,666,000 | 2,266,000 | 2,785,000 |
| Income tax | 343,000 | 548,000 | 730,000 | 880,000 |
| Net income | 666,000 | 1,118,000 | 1,536,000 | 1,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,034,000 | 17,237,000 | 17,663,000 | 18,037,000 |
| Total capital | 19,217,000 | 19,491,000 | 19,922,000 | 20,156,000 |
| Risk-weighted assets | 168,018,000 | 171,146,000 | 171,151,000 | 169,297,000 |