Call reports 2002
LUZO COMMUNITY BANK — 2002
What LUZO COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 66,986,000 | 69,378,000 | 70,133,000 | 70,912,000 |
| Total loans | 30,952,000 | 31,737,000 | 31,456,000 | 31,074,000 |
| Allowance for loan losses | 746,000 | 747,000 | 752,000 | 700,000 |
| Securities available for sale | 13,793,000 | 13,782,000 | 12,704,000 | 10,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,401,000 | 62,575,000 | 63,158,000 | 63,887,000 |
| Interest-bearing deposits | 50,333,000 | 51,054,000 | 51,428,000 | 52,080,000 |
| Noninterest-bearing deposits | 10,068,000 | 11,521,000 | 11,730,000 | 11,807,000 |
| Equity capital | 6,433,000 | 6,675,000 | 6,823,000 | 6,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,835,000 | 2,744,000 | 3,664,000 |
| Interest expense | 363,000 | 689,000 | 1,005,000 | 1,290,000 |
| Net interest income | 556,000 | 1,146,000 | 1,739,000 | 2,374,000 |
| Noninterest income | 74,000 | 129,000 | 177,000 | 229,000 |
| Noninterest expense | 457,000 | 907,000 | 1,354,000 | 1,735,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 368,000 | 562,000 | 868,000 |
| Income tax | 65,000 | 141,000 | 217,000 | 339,000 |
| Net income | 108,000 | 227,000 | 345,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,447,000 | 6,510,000 | 6,573,000 | 6,688,000 |
| Total capital | 6,865,000 | 6,942,000 | 7,168,000 | 7,287,000 |
| Risk-weighted assets | 33,147,000 | 34,242,000 | 47,463,000 | 47,800,000 |