Call reports 2010
LUZERNE BANK — 2010
What LUZERNE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 265,802,000 | 277,459,000 | 263,353,000 | 280,308,000 |
| Total loans | 202,351,000 | 204,396,000 | 215,024,000 | 205,517,000 |
| Allowance for loan losses | 2,250,000 | 2,208,000 | 2,388,000 | 2,439,000 |
| Securities available for sale | 24,453,000 | 23,555,000 | 25,403,000 | 23,322,000 |
| Securities held to maturity | 1,471,000 | 1,415,000 | 1,264,000 | 1,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,253,000 | 240,830,000 | 221,693,000 | 243,706,000 |
| Interest-bearing deposits | 174,824,000 | 173,179,000 | 164,386,000 | 169,652,000 |
| Noninterest-bearing deposits | 55,429,000 | 67,651,000 | 57,307,000 | 74,054,000 |
| Equity capital | 23,667,000 | 24,178,000 | 24,822,000 | 25,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,058,000 | 6,088,000 | 9,229,000 | 12,345,000 |
| Interest expense | 686,000 | 1,276,000 | 1,831,000 | 2,369,000 |
| Net interest income | 2,372,000 | 4,812,000 | 7,398,000 | 9,976,000 |
| Noninterest income | 464,000 | 907,000 | 1,354,000 | 1,855,000 |
| Noninterest expense | 1,902,000 | 3,807,000 | 5,727,000 | 7,650,000 |
| Provision for loan losses | 150,000 | 330,000 | 505,000 | 675,000 |
| Pretax income | 784,000 | 1,618,000 | 2,556,000 | 3,545,000 |
| Income tax | 213,000 | 446,000 | 717,000 | 999,000 |
| Net income | 571,000 | 1,172,000 | 1,839,000 | 2,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,297,000 | 23,798,000 | 24,363,000 | 24,867,000 |
| Total capital | 25,547,000 | 26,006,000 | 26,751,000 | 27,306,000 |
| Risk-weighted assets | 209,301,000 | 211,591,000 | 216,833,000 | 214,793,000 |
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