Call reports 2004
LUZO COMMUNITY BANK — 2004
What LUZO COMMUNITY BANK 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 | 71,894,000 | 73,944,000 | 70,358,000 | 70,930,000 |
| Total loans | 36,861,000 | 39,081,000 | 39,362,000 | 40,016,000 |
| Allowance for loan losses | 757,000 | 754,000 | 751,000 | 757,000 |
| Securities available for sale | 9,005,000 | 7,887,000 | 7,450,000 | 6,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,624,000 | 66,928,000 | 63,216,000 | 63,818,000 |
| Interest-bearing deposits | 52,909,000 | 52,249,000 | 51,946,000 | 50,587,000 |
| Noninterest-bearing deposits | 11,715,000 | 14,679,000 | 11,270,000 | 13,231,000 |
| Equity capital | 6,924,000 | 6,783,000 | 6,877,000 | 6,910,000 |
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 | 745,000 | 1,455,000 | 2,194,000 | 2,953,000 |
| Interest expense | 187,000 | 363,000 | 536,000 | 710,000 |
| Net interest income | 558,000 | 1,092,000 | 1,658,000 | 2,243,000 |
| Noninterest income | 49,000 | 103,000 | 148,000 | 194,000 |
| Noninterest expense | 464,000 | 920,000 | 1,399,000 | 1,846,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 143,000 | 275,000 | 410,000 | 594,000 |
| Income tax | 53,000 | 106,000 | 160,000 | 224,000 |
| Net income | 90,000 | 169,000 | 250,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,787,000 | 6,789,000 | 6,793,000 | 6,836,000 |
| Total capital | 7,406,000 | 7,262,000 | 7,260,000 | 7,307,000 |
| Risk-weighted assets | 49,358,000 | 37,527,000 | 37,037,000 | 37,355,000 |