Call reports 2006
LUZERNE BANK — 2006
What LUZERNE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 181,459,000 | 180,770,000 | 179,837,000 | 183,974,000 |
| Total loans | 98,136,000 | 101,046,000 | 102,834,000 | 104,727,000 |
| Allowance for loan losses | 1,568,000 | 1,593,000 | 1,573,000 | 1,128,000 |
| Securities available for sale | 42,454,000 | 41,221,000 | 42,379,000 | 43,077,000 |
| Securities held to maturity | 15,784,000 | 15,639,000 | 15,461,000 | 13,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,591,000 | 154,413,000 | 154,921,000 | 158,886,000 |
| Interest-bearing deposits | 124,899,000 | 124,149,000 | 123,727,000 | 128,292,000 |
| Noninterest-bearing deposits | 30,692,000 | 30,264,000 | 31,194,000 | 30,594,000 |
| Equity capital | 16,818,000 | 16,993,000 | 17,700,000 | 18,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,372,000 | 4,844,000 | 7,386,000 | 9,947,000 |
| Interest expense | 677,000 | 1,408,000 | 2,197,000 | 3,033,000 |
| Net interest income | 1,695,000 | 3,436,000 | 5,189,000 | 6,914,000 |
| Noninterest income | 358,000 | 725,000 | 1,158,000 | 1,903,000 |
| Noninterest expense | 1,713,000 | 3,163,000 | 4,664,000 | 6,300,000 |
| Provision for loan losses | 50,000 | 75,000 | 75,000 | -375,000 |
| Pretax income | 290,000 | 923,000 | 1,608,000 | 2,892,000 |
| Income tax | 62,000 | 238,000 | 432,000 | 689,000 |
| Net income | 228,000 | 685,000 | 1,176,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,369,000 | 17,723,000 | 18,113,000 | 18,936,000 |
| Total capital | 18,678,000 | 19,053,000 | 19,457,000 | 20,064,000 |
| Risk-weighted assets | 104,471,000 | 106,458,000 | 107,268,000 | 110,083,000 |
Machine access — free, no API key
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