Call reports 2007
LUZO COMMUNITY BANK — 2007
What LUZO COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Total assets | 66,214,000 | 67,425,000 |
| Total loans | 41,797,000 | 41,066,000 |
| Allowance for loan losses | 730,000 | 727,000 |
| Securities available for sale | 2,977,000 | 2,298,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 58,643,000 | 59,879,000 |
| Interest-bearing deposits | 44,110,000 | 43,454,000 |
| Noninterest-bearing deposits | 14,533,000 | 16,425,000 |
| Equity capital | 7,363,000 | 7,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Interest income | 993,000 | 1,989,000 |
| Interest expense | 272,000 | 563,000 |
| Net interest income | 721,000 | 1,426,000 |
| Noninterest income | 52,000 | 91,000 |
| Noninterest expense | 569,000 | 1,135,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 204,000 | 411,000 |
| Income tax | 87,000 | 166,000 |
| Net income | 117,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 |
|---|---|---|
| Tier 1 capital | 7,380,000 | 7,407,000 |
| Total capital | 7,864,000 | 7,894,000 |
| Risk-weighted assets | 38,490,000 | 38,708,000 |