Call reports 2005
LUZERNE BANK — 2005
What LUZERNE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 179,672,000 | 181,733,000 | 181,398,000 | 178,174,000 |
| Total loans | 93,092,000 | 90,678,000 | 96,921,000 | 97,423,000 |
| Allowance for loan losses | 1,558,000 | 1,457,000 | 1,432,000 | 1,472,000 |
| Securities available for sale | 51,412,000 | 48,803,000 | 45,761,000 | 44,777,000 |
| Securities held to maturity | 17,161,000 | 16,858,000 | 16,592,000 | 15,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,139,000 | 152,860,000 | 154,350,000 | 152,012,000 |
| Interest-bearing deposits | 123,584,000 | 125,171,000 | 123,176,000 | 123,236,000 |
| Noninterest-bearing deposits | 27,555,000 | 27,689,000 | 31,174,000 | 28,776,000 |
| Equity capital | 16,020,000 | 16,373,000 | 16,619,000 | 16,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,246,000 | 4,462,000 | 6,785,000 | 9,189,000 |
| Interest expense | 541,000 | 1,112,000 | 1,708,000 | 2,351,000 |
| Net interest income | 1,705,000 | 3,350,000 | 5,077,000 | 6,838,000 |
| Noninterest income | 448,000 | 770,000 | 1,116,000 | 1,512,000 |
| Noninterest expense | 1,468,000 | 2,971,000 | 4,481,000 | 5,958,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 631,000 | 1,035,000 | 1,538,000 | 2,158,000 |
| Income tax | 133,000 | 222,000 | 357,000 | 523,000 |
| Net income | 498,000 | 813,000 | 1,181,000 | 1,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,310,000 | 16,500,000 | 16,813,000 | 17,141,000 |
| Total capital | 17,573,000 | 17,742,000 | 18,111,000 | 18,431,000 |
| Risk-weighted assets | 100,726,000 | 99,146,000 | 103,679,000 | 103,030,000 |
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