Call reports 2011
LUZERNE BANK — 2011
What LUZERNE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 278,181,000 | 281,194,000 | 287,906,000 | 300,715,000 |
| Total loans | 206,729,000 | 217,898,000 | 221,675,000 | 227,861,000 |
| Allowance for loan losses | 2,577,000 | 2,624,000 | 2,676,000 | 2,968,000 |
| Securities available for sale | 22,159,000 | 23,231,000 | 24,097,000 | 22,604,000 |
| Securities held to maturity | 1,124,000 | 1,070,000 | 1,034,000 | 968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,608,000 | 245,111,000 | 251,007,000 | 263,463,000 |
| Interest-bearing deposits | 171,899,000 | 182,794,000 | 182,867,000 | 183,203,000 |
| Noninterest-bearing deposits | 69,709,000 | 62,317,000 | 68,140,000 | 80,260,000 |
| Equity capital | 25,564,000 | 26,041,000 | 26,633,000 | 26,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,972,000 | 5,977,000 | 9,088,000 | 12,218,000 |
| Interest expense | 500,000 | 963,000 | 1,424,000 | 1,857,000 |
| Net interest income | 2,472,000 | 5,014,000 | 7,664,000 | 10,361,000 |
| Noninterest income | 451,000 | 891,000 | 1,356,000 | 1,834,000 |
| Noninterest expense | 2,041,000 | 4,089,000 | 6,211,000 | 8,374,000 |
| Provision for loan losses | 150,000 | 300,000 | 420,000 | 848,000 |
| Pretax income | 732,000 | 1,516,000 | 2,389,000 | 2,974,000 |
| Income tax | 200,000 | 417,000 | 668,000 | 813,000 |
| Net income | 532,000 | 1,099,000 | 1,721,000 | 2,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,298,000 | 25,764,000 | 26,284,000 | 26,521,000 |
| Total capital | 27,875,000 | 28,388,000 | 28,990,000 | 29,472,000 |
| Risk-weighted assets | 215,643,000 | 224,726,000 | 228,951,000 | 235,996,000 |