Call reports 2002
LUZERNE BANK — 2002
What LUZERNE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 164,818,000 | 170,628,000 | 175,675,000 | 172,846,000 |
| Total loans | 112,195,000 | 116,407,000 | 120,798,000 | 120,381,000 |
| Allowance for loan losses | 1,741,000 | 1,818,000 | 1,759,000 | 1,677,000 |
| Securities available for sale | 28,418,000 | 28,811,000 | 28,059,000 | 26,447,000 |
| Securities held to maturity | 7,966,000 | 7,406,000 | 7,146,000 | 6,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,654,000 | 137,480,000 | 143,453,000 | 141,813,000 |
| Interest-bearing deposits | 107,201,000 | 112,967,000 | 118,987,000 | 117,843,000 |
| Noninterest-bearing deposits | 24,453,000 | 24,513,000 | 24,466,000 | 23,970,000 |
| Equity capital | 12,444,000 | 13,198,000 | 13,961,000 | 14,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,586,000 | 5,260,000 | 7,984,000 | 10,684,000 |
| Interest expense | 906,000 | 1,792,000 | 2,725,000 | 3,596,000 |
| Net interest income | 1,680,000 | 3,468,000 | 5,259,000 | 7,088,000 |
| Noninterest income | 291,000 | 615,000 | 997,000 | 1,321,000 |
| Noninterest expense | 1,265,000 | 2,673,000 | 4,251,000 | 5,768,000 |
| Provision for loan losses | 1,257,000 | 1,393,000 | 1,478,000 | 1,698,000 |
| Pretax income | -551,000 | 19,000 | 628,000 | 1,044,000 |
| Income tax | 0 | 0 | -29,000 | 98,000 |
| Net income | -551,000 | 19,000 | 657,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,334,000 | 12,798,000 | 13,490,000 | 13,727,000 |
| Total capital | 13,763,000 | 14,257,000 | 15,000,000 | 15,230,000 |
| Risk-weighted assets | 113,978,000 | 116,373,000 | 120,538,000 | 120,073,000 |