Call reports 2005
LUZO COMMUNITY BANK — 2005
What LUZO COMMUNITY BANK 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 | 71,367,000 | 73,214,000 | 74,369,000 | 70,113,000 |
| Total loans | 40,802,000 | 38,817,000 | 39,708,000 | 39,561,000 |
| Allowance for loan losses | 758,000 | 755,000 | 754,000 | 753,000 |
| Securities available for sale | 5,620,000 | 5,328,000 | 4,955,000 | 4,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,252,000 | 66,000,000 | 67,115,000 | 62,821,000 |
| Interest-bearing deposits | 49,615,000 | 49,278,000 | 49,753,000 | 46,798,000 |
| Noninterest-bearing deposits | 14,637,000 | 16,722,000 | 17,362,000 | 16,023,000 |
| Equity capital | 6,901,000 | 6,976,000 | 7,044,000 | 7,094,000 |
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 | 811,000 | 1,646,000 | 2,527,000 | 3,461,000 |
| Interest expense | 170,000 | 350,000 | 537,000 | 719,000 |
| Net interest income | 641,000 | 1,296,000 | 1,990,000 | 2,742,000 |
| Noninterest income | 45,000 | 92,000 | 139,000 | 185,000 |
| Noninterest expense | 475,000 | 943,000 | 1,404,000 | 1,907,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 445,000 | 725,000 | 1,020,000 |
| Income tax | 83,000 | 175,000 | 285,000 | 400,000 |
| Net income | 128,000 | 270,000 | 440,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,883,000 | 6,939,000 | 7,025,000 | 7,111,000 |
| Total capital | 7,353,000 | 7,403,000 | 7,712,000 | 7,578,000 |
| Risk-weighted assets | 37,323,000 | 36,794,000 | 54,894,000 | 37,080,000 |
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