Call reports 2001
LUZO COMMUNITY BANK — 2001
What LUZO COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 62,290,000 | 64,007,000 | 64,715,000 | 66,669,000 |
| Total loans | 31,117,000 | 29,668,000 | 30,381,000 | 30,125,000 |
| Allowance for loan losses | 754,000 | 755,000 | 757,000 | 746,000 |
| Securities available for sale | 12,213,000 | 11,905,000 | 13,188,000 | 13,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,620,000 | 57,350,000 | 57,820,000 | 60,032,000 |
| Interest-bearing deposits | 45,837,000 | 46,674,000 | 48,163,000 | 49,990,000 |
| Noninterest-bearing deposits | 9,783,000 | 10,676,000 | 9,657,000 | 10,042,000 |
| Equity capital | 6,414,000 | 6,398,000 | 6,541,000 | 6,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,170,000 | 2,275,000 | 3,375,000 | 4,317,000 |
| Interest expense | 502,000 | 1,001,000 | 1,482,000 | 1,902,000 |
| Net interest income | 668,000 | 1,274,000 | 1,893,000 | 2,415,000 |
| Noninterest income | 68,000 | 137,000 | 204,000 | 328,000 |
| Noninterest expense | 389,000 | 899,000 | 1,463,000 | 1,905,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 347,000 | 512,000 | 634,000 | 933,000 |
| Income tax | 134,000 | 200,000 | 236,000 | 353,000 |
| Net income | 213,000 | 312,000 | 398,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,236,000 | 6,276,000 | 6,293,000 | 6,407,000 |
| Total capital | 6,658,000 | 6,779,000 | 6,792,000 | 6,832,000 |
| Risk-weighted assets | 33,589,000 | 40,000,000 | 39,669,000 | 33,643,000 |