Call reports 2008
LUZERNE BANK — 2008
What LUZERNE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 209,304,000 | 221,145,000 | 226,568,000 | 233,148,000 |
| Total loans | 152,287,000 | 163,997,000 | 171,443,000 | 178,294,000 |
| Allowance for loan losses | 1,542,000 | 1,591,000 | 1,695,000 | 1,745,000 |
| Securities available for sale | 31,064,000 | 27,351,000 | 27,001,000 | 22,655,000 |
| Securities held to maturity | 7,071,000 | 5,810,000 | 5,693,000 | 5,108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,219,000 | 179,483,000 | 180,022,000 | 187,597,000 |
| Interest-bearing deposits | 139,515,000 | 142,470,000 | 144,608,000 | 150,484,000 |
| Noninterest-bearing deposits | 35,704,000 | 37,013,000 | 35,414,000 | 37,113,000 |
| Equity capital | 20,605,000 | 20,589,000 | 20,876,000 | 21,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,874,000 | 5,750,000 | 8,738,000 | 11,713,000 |
| Interest expense | 1,009,000 | 1,934,000 | 2,891,000 | 3,798,000 |
| Net interest income | 1,865,000 | 3,816,000 | 5,847,000 | 7,915,000 |
| Noninterest income | 399,000 | 826,000 | 1,256,000 | 1,745,000 |
| Noninterest expense | 1,632,000 | 3,361,000 | 5,084,000 | 6,867,000 |
| Provision for loan losses | 75,000 | 160,000 | 260,000 | 370,000 |
| Pretax income | 570,000 | 1,145,000 | 1,783,000 | 2,448,000 |
| Income tax | 141,000 | 281,000 | 445,000 | 648,000 |
| Net income | 429,000 | 864,000 | 1,338,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,313,000 | 20,606,000 | 20,980,000 | 21,271,000 |
| Total capital | 21,855,000 | 22,197,000 | 22,675,000 | 23,016,000 |
| Risk-weighted assets | 152,645,000 | 164,521,000 | 171,767,000 | 178,938,000 |