Call reports 2014
LUZERNE BANK — 2014
What LUZERNE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 340,778,000 | 335,216,000 | 337,189,000 | 344,223,000 |
| Total loans | 244,402,000 | 254,856,000 | 259,557,000 | 270,025,000 |
| Allowance for loan losses | 516,000 | 669,000 | 869,000 | 1,934,000 |
| Securities available for sale | 26,624,000 | 34,067,000 | 32,747,000 | 32,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,515,000 | 284,551,000 | 281,076,000 | 282,276,000 |
| Interest-bearing deposits | 193,977,000 | 188,054,000 | 181,300,000 | 174,721,000 |
| Noninterest-bearing deposits | 91,538,000 | 96,497,000 | 99,776,000 | 107,555,000 |
| Equity capital | 44,225,000 | 44,428,000 | 44,571,000 | 44,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,786,000 | 5,702,000 | 8,721,000 | 11,729,000 |
| Interest expense | 117,000 | 235,000 | 356,000 | 481,000 |
| Net interest income | 2,669,000 | 5,467,000 | 8,365,000 | 11,248,000 |
| Noninterest income | 532,000 | 1,016,000 | 1,505,000 | 2,391,000 |
| Noninterest expense | 2,164,000 | 4,502,000 | 6,733,000 | 8,843,000 |
| Provision for loan losses | 285,000 | 435,000 | 645,000 | 1,950,000 |
| Pretax income | 718,000 | 1,512,000 | 2,463,000 | 2,827,000 |
| Income tax | 183,000 | 420,000 | 694,000 | 783,000 |
| Net income | 535,000 | 1,092,000 | 1,769,000 | 2,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,509,000 | 28,696,000 | 28,993,000 | 27,886,000 |
| Total capital | 29,058,000 | 29,399,000 | 29,896,000 | 29,856,000 |
| Risk-weighted assets | 259,554,000 | 274,487,000 | 282,126,000 | 291,762,000 |