Call reports 2012
LUZERNE BANK — 2012
What LUZERNE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 306,758,000 | 306,255,000 | 310,905,000 | 319,038,000 |
| Total loans | 236,200,000 | 249,310,000 | 247,515,000 | 244,406,000 |
| Allowance for loan losses | 3,109,000 | 3,192,000 | 3,078,000 | 3,060,000 |
| Securities available for sale | 21,952,000 | 21,232,000 | 19,403,000 | 20,700,000 |
| Securities held to maturity | 949,000 | 915,000 | 854,000 | 792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,085,000 | 268,589,000 | 273,018,000 | 283,424,000 |
| Interest-bearing deposits | 186,450,000 | 189,909,000 | 189,430,000 | 191,103,000 |
| Noninterest-bearing deposits | 80,635,000 | 78,680,000 | 83,588,000 | 92,321,000 |
| Equity capital | 27,283,000 | 27,880,000 | 28,529,000 | 28,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,075,000 | 6,227,000 | 9,436,000 | 12,537,000 |
| Interest expense | 415,000 | 803,000 | 1,182,000 | 1,534,000 |
| Net interest income | 2,660,000 | 5,424,000 | 8,254,000 | 11,003,000 |
| Noninterest income | 463,000 | 926,000 | 1,434,000 | 1,956,000 |
| Noninterest expense | 2,177,000 | 4,323,000 | 6,476,000 | 8,534,000 |
| Provision for loan losses | 146,000 | 300,000 | 439,000 | 716,000 |
| Pretax income | 801,000 | 1,728,000 | 2,774,000 | 3,710,000 |
| Income tax | 224,000 | 486,000 | 791,000 | 1,064,000 |
| Net income | 577,000 | 1,242,000 | 1,983,000 | 2,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,996,000 | 27,560,000 | 28,200,000 | 28,324,000 |
| Total capital | 30,067,000 | 30,784,000 | 31,321,000 | 31,423,000 |
| Risk-weighted assets | 245,572,000 | 259,038,000 | 256,902,000 | 256,363,000 |