Call reports 2006
LUZO COMMUNITY BANK — 2006
What LUZO COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 67,301,000 | 70,600,000 | 69,159,000 | 65,993,000 |
| Total loans | 40,803,000 | 41,038,000 | 40,717,000 | 43,137,000 |
| Allowance for loan losses | 731,000 | 732,000 | 733,000 | 730,000 |
| Securities available for sale | 4,419,000 | 3,479,000 | 3,289,000 | 3,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,929,000 | 63,179,000 | 61,653,000 | 58,464,000 |
| Interest-bearing deposits | 45,799,000 | 46,877,000 | 46,253,000 | 44,070,000 |
| Noninterest-bearing deposits | 14,130,000 | 16,302,000 | 15,400,000 | 14,394,000 |
| Equity capital | 7,153,000 | 7,216,000 | 7,290,000 | 7,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,876,000 | 2,855,000 | 3,878,000 |
| Interest expense | 186,000 | 404,000 | 641,000 | 892,000 |
| Net interest income | 749,000 | 1,472,000 | 2,214,000 | 2,986,000 |
| Noninterest income | 45,000 | 94,000 | 140,000 | 183,000 |
| Noninterest expense | 516,000 | 1,000,000 | 1,517,000 | 2,026,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 278,000 | 604,000 | 875,000 | 1,181,000 |
| Income tax | 105,000 | 240,000 | 351,000 | 473,000 |
| Net income | 173,000 | 364,000 | 524,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,182,000 | 7,271,000 | 7,320,000 | 7,375,000 |
| Total capital | 7,655,000 | 7,750,000 | 7,799,000 | 7,865,000 |
| Risk-weighted assets | 37,557,000 | 38,094,000 | 38,096,000 | 38,997,000 |
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