Call reports 2001
LUZERNE BANK — 2001
What LUZERNE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 132,100,000 | 142,157,000 | 146,220,000 | 153,841,000 |
| Total loans | 86,442,000 | 90,285,000 | 95,123,000 | 102,929,000 |
| Allowance for loan losses | 1,175,000 | 1,174,000 | 1,161,000 | 1,345,000 |
| Securities available for sale | 22,439,000 | 27,344,000 | 28,375,000 | 27,390,000 |
| Securities held to maturity | 8,582,000 | 8,327,000 | 8,213,000 | 8,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,244,000 | 118,166,000 | 121,198,000 | 124,469,000 |
| Interest-bearing deposits | 92,805,000 | 98,099,000 | 100,504,000 | 101,836,000 |
| Noninterest-bearing deposits | 19,439,000 | 20,067,000 | 20,694,000 | 22,633,000 |
| Equity capital | 10,103,000 | 10,454,000 | 10,995,000 | 11,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,466,000 | 5,021,000 | 7,618,000 | 10,213,000 |
| Interest expense | 1,030,000 | 2,064,000 | 3,085,000 | 4,003,000 |
| Net interest income | 1,436,000 | 2,957,000 | 4,533,000 | 6,210,000 |
| Noninterest income | 234,000 | 531,000 | 808,000 | 1,058,000 |
| Noninterest expense | 1,070,000 | 2,214,000 | 3,388,000 | 4,678,000 |
| Provision for loan losses | 75,000 | 180,000 | 275,000 | 627,000 |
| Pretax income | 525,000 | 1,094,000 | 1,678,000 | 1,963,000 |
| Income tax | 119,000 | 278,000 | 436,000 | 471,000 |
| Net income | 406,000 | 816,000 | 1,242,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,955,000 | 10,315,000 | 10,689,000 | 10,888,000 |
| Total capital | 11,013,000 | 11,455,000 | 11,850,000 | 12,200,000 |
| Risk-weighted assets | 84,494,000 | 91,170,000 | 96,138,000 | 104,980,000 |
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