Call reports 2004
LUZERNE BANK — 2004
What LUZERNE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 188,006,000 | 183,458,000 | 181,368,000 | 180,211,000 |
| Total loans | 97,618,000 | 96,660,000 | 96,927,000 | 96,558,000 |
| Allowance for loan losses | 1,549,000 | 1,611,000 | 1,533,000 | 1,575,000 |
| Securities available for sale | 51,709,000 | 51,897,000 | 48,839,000 | 47,600,000 |
| Securities held to maturity | 13,741,000 | 16,882,000 | 18,189,000 | 17,897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,046,000 | 152,392,000 | 150,683,000 | 151,350,000 |
| Interest-bearing deposits | 125,211,000 | 125,538,000 | 124,022,000 | 125,804,000 |
| Noninterest-bearing deposits | 27,835,000 | 26,854,000 | 26,661,000 | 25,546,000 |
| Equity capital | 15,466,000 | 14,969,000 | 15,711,000 | 15,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,300,000 | 4,551,000 | 6,771,000 | 9,002,000 |
| Interest expense | 617,000 | 1,210,000 | 1,759,000 | 2,299,000 |
| Net interest income | 1,683,000 | 3,341,000 | 5,012,000 | 6,703,000 |
| Noninterest income | 291,000 | 584,000 | 894,000 | 1,308,000 |
| Noninterest expense | 1,501,000 | 2,996,000 | 4,513,000 | 6,007,000 |
| Provision for loan losses | 120,000 | 210,000 | 290,000 | 350,000 |
| Pretax income | 353,000 | 719,000 | 1,103,000 | 1,654,000 |
| Income tax | 65,000 | 138,000 | 224,000 | 356,000 |
| Net income | 288,000 | 581,000 | 879,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,073,000 | 15,367,000 | 15,611,000 | 15,975,000 |
| Total capital | 16,402,000 | 16,687,000 | 16,920,000 | 17,277,000 |
| Risk-weighted assets | 106,106,000 | 105,286,000 | 104,501,000 | 103,870,000 |
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