Call reports 2009
LUZERNE BANK — 2009
What LUZERNE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 233,170,000 | 236,062,000 | 241,508,000 | 267,835,000 |
| Total loans | 180,623,000 | 183,324,000 | 189,970,000 | 199,176,000 |
| Allowance for loan losses | 1,838,000 | 1,868,000 | 1,969,000 | 2,109,000 |
| Securities available for sale | 23,263,000 | 21,915,000 | 24,133,000 | 24,217,000 |
| Securities held to maturity | 3,973,000 | 3,755,000 | 1,670,000 | 1,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,984,000 | 192,710,000 | 201,863,000 | 226,956,000 |
| Interest-bearing deposits | 152,448,000 | 154,723,000 | 164,536,000 | 176,325,000 |
| Noninterest-bearing deposits | 36,536,000 | 37,987,000 | 37,327,000 | 50,631,000 |
| Equity capital | 21,793,000 | 22,053,000 | 22,777,000 | 23,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,849,000 | 5,744,000 | 8,661,000 | 11,683,000 |
| Interest expense | 832,000 | 1,625,000 | 2,417,000 | 3,170,000 |
| Net interest income | 2,017,000 | 4,119,000 | 6,244,000 | 8,513,000 |
| Noninterest income | 431,000 | 904,000 | 1,374,000 | 1,861,000 |
| Noninterest expense | 1,802,000 | 3,708,000 | 5,465,000 | 7,248,000 |
| Provision for loan losses | 90,000 | 180,000 | 280,000 | 430,000 |
| Pretax income | 559,000 | 1,181,000 | 1,919,000 | 2,742,000 |
| Income tax | 137,000 | 296,000 | 495,000 | 711,000 |
| Net income | 422,000 | 885,000 | 1,424,000 | 2,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,592,000 | 21,953,000 | 22,391,000 | 22,828,000 |
| Total capital | 23,430,000 | 23,821,000 | 24,360,000 | 24,937,000 |
| Risk-weighted assets | 179,845,000 | 185,430,000 | 192,233,000 | 205,943,000 |
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