Call reports 2003
LUZERNE BANK — 2003
What LUZERNE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 173,225,000 | 174,588,000 | 178,919,000 | 182,252,000 |
| Total loans | 117,945,000 | 115,214,000 | 109,548,000 | 103,819,000 |
| Allowance for loan losses | 1,707,000 | 1,789,000 | 1,597,000 | 1,708,000 |
| Securities available for sale | 28,345,000 | 36,366,000 | 45,920,000 | 52,512,000 |
| Securities held to maturity | 6,430,000 | 6,032,000 | 4,965,000 | 8,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,241,000 | 147,182,000 | 147,557,000 | 147,187,000 |
| Interest-bearing deposits | 118,378,000 | 122,141,000 | 121,951,000 | 122,336,000 |
| Noninterest-bearing deposits | 24,863,000 | 25,041,000 | 25,606,000 | 24,851,000 |
| Equity capital | 14,315,000 | 14,815,000 | 14,656,000 | 14,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,529,000 | 4,976,000 | 7,441,000 | 9,830,000 |
| Interest expense | 765,000 | 1,435,000 | 2,056,000 | 2,677,000 |
| Net interest income | 1,764,000 | 3,541,000 | 5,385,000 | 7,153,000 |
| Noninterest income | 308,000 | 579,000 | 952,000 | 1,261,000 |
| Noninterest expense | 1,536,000 | 3,076,000 | 4,923,000 | 6,459,000 |
| Provision for loan losses | 195,000 | 340,000 | 500,000 | 710,000 |
| Pretax income | 341,000 | 704,000 | 914,000 | 1,282,000 |
| Income tax | 35,000 | 105,000 | 135,000 | 169,000 |
| Net income | 306,000 | 599,000 | 779,000 | 1,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,978,000 | 14,272,000 | 14,452,000 | 14,786,000 |
| Total capital | 15,470,000 | 15,737,000 | 15,874,000 | 16,163,000 |
| Risk-weighted assets | 119,134,000 | 116,859,000 | 113,615,000 | 109,849,000 |