Call reports 2007
LUZERNE BANK — 2007
What LUZERNE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 192,452,000 | 193,365,000 | 200,484,000 | 207,268,000 |
| Total loans | 108,581,000 | 123,405,000 | 134,966,000 | 145,611,000 |
| Allowance for loan losses | 1,146,000 | 1,259,000 | 1,371,000 | 1,459,000 |
| Securities available for sale | 43,606,000 | 39,622,000 | 36,422,000 | 33,183,000 |
| Securities held to maturity | 11,263,000 | 11,137,000 | 10,939,000 | 9,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,064,000 | 167,005,000 | 165,052,000 | 171,822,000 |
| Interest-bearing deposits | 134,786,000 | 134,258,000 | 134,000,000 | 136,961,000 |
| Noninterest-bearing deposits | 32,278,000 | 32,747,000 | 31,052,000 | 34,861,000 |
| Equity capital | 19,060,000 | 19,124,000 | 19,603,000 | 20,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,566,000 | 5,261,000 | 8,065,000 | 10,995,000 |
| Interest expense | 868,000 | 1,818,000 | 2,837,000 | 3,938,000 |
| Net interest income | 1,698,000 | 3,443,000 | 5,228,000 | 7,057,000 |
| Noninterest income | 388,000 | 801,000 | 1,218,000 | 1,647,000 |
| Noninterest expense | 1,493,000 | 3,092,000 | 4,729,000 | 6,347,000 |
| Provision for loan losses | 15,000 | 131,000 | 241,000 | 321,000 |
| Pretax income | 579,000 | 1,022,000 | 1,477,000 | 2,037,000 |
| Income tax | 140,000 | 235,000 | 336,000 | 475,000 |
| Net income | 439,000 | 787,000 | 1,141,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,275,000 | 19,521,000 | 19,773,000 | 20,025,000 |
| Total capital | 20,421,000 | 20,780,000 | 21,144,000 | 21,484,000 |
| Risk-weighted assets | 115,785,000 | 127,397,000 | 137,293,000 | 146,480,000 |
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