Call reports 2013
LUZERNE BANK — 2013
What LUZERNE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 309,662,000 | 329,389,000 | 335,191,000 | 346,345,000 |
| Total loans | 248,354,000 | 254,121,000 | 251,750,000 | 242,247,000 |
| Allowance for loan losses | 3,152,000 | 64,000 | 246,000 | 234,000 |
| Securities available for sale | 20,248,000 | 19,392,000 | 19,139,000 | 18,204,000 |
| Securities held to maturity | 732,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,520,000 | 279,867,000 | 285,154,000 | 295,570,000 |
| Interest-bearing deposits | 191,392,000 | 194,655,000 | 193,224,000 | 200,195,000 |
| Noninterest-bearing deposits | 81,128,000 | 85,212,000 | 91,930,000 | 95,375,000 |
| Equity capital | 28,923,000 | 42,846,000 | 43,051,000 | 43,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,003,000 | 1,089,000 | 4,139,000 | 7,074,000 |
| Interest expense | 287,000 | 37,000 | 157,000 | 280,000 |
| Net interest income | 2,716,000 | 1,052,000 | 3,982,000 | 6,794,000 |
| Noninterest income | 457,000 | 132,000 | 564,000 | 1,413,000 |
| Noninterest expense | 2,331,000 | 695,000 | 3,596,000 | 6,135,000 |
| Provision for loan losses | 191,000 | 50,000 | 200,000 | 350,000 |
| Pretax income | 651,000 | 439,000 | 750,000 | 1,630,000 |
| Income tax | 182,000 | 140,000 | 218,000 | 485,000 |
| Net income | 469,000 | 299,000 | 532,000 | 1,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,647,000 | 26,855,000 | 27,179,000 | 27,884,000 |
| Total capital | 31,838,000 | 26,951,000 | 27,457,000 | 28,150,000 |
| Risk-weighted assets | 262,352,000 | 268,898,000 | 258,699,000 | 257,213,000 |