Call reports 2003
LUZO COMMUNITY BANK — 2003
What LUZO COMMUNITY BANK 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 | 71,575,000 | 72,677,000 | 71,822,000 | 71,020,000 |
| Total loans | 29,854,000 | 31,383,000 | 32,117,000 | 34,747,000 |
| Allowance for loan losses | 707,000 | 708,000 | 710,000 | 715,000 |
| Securities available for sale | 10,794,000 | 10,944,000 | 10,991,000 | 9,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,529,000 | 65,573,000 | 64,875,000 | 63,939,000 |
| Interest-bearing deposits | 52,913,000 | 53,643,000 | 52,360,000 | 52,522,000 |
| Noninterest-bearing deposits | 11,616,000 | 11,930,000 | 12,515,000 | 11,417,000 |
| Equity capital | 6,933,000 | 6,973,000 | 6,802,000 | 6,852,000 |
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 | 771,000 | 1,528,000 | 2,238,000 | 2,949,000 |
| Interest expense | 256,000 | 494,000 | 692,000 | 884,000 |
| Net interest income | 515,000 | 1,034,000 | 1,546,000 | 2,065,000 |
| Noninterest income | 51,000 | 103,000 | 148,000 | 192,000 |
| Noninterest expense | 456,000 | 901,000 | 1,348,000 | 1,748,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 236,000 | 346,000 | 541,000 |
| Income tax | 39,000 | 89,000 | 131,000 | 208,000 |
| Net income | 71,000 | 147,000 | 215,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,691,000 | 6,707,000 | 6,707,000 | 6,757,000 |
| Total capital | 7,110,000 | 7,142,000 | 7,151,000 | 7,208,000 |
| Risk-weighted assets | 33,248,000 | 34,504,000 | 35,265,000 | 35,780,000 |
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