Call reports 2015
LUZERNE BANK — 2015
What LUZERNE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 344,144,000 | 345,858,000 | 345,126,000 | 368,685,000 |
| Total loans | 271,751,000 | 274,360,000 | 268,722,000 | 276,558,000 |
| Allowance for loan losses | 2,319,000 | 2,338,000 | 2,332,000 | 2,691,000 |
| Securities available for sale | 30,816,000 | 30,341,000 | 29,503,000 | 28,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,126,000 | 282,793,000 | 284,827,000 | 310,036,000 |
| Interest-bearing deposits | 175,022,000 | 181,034,000 | 179,871,000 | 182,664,000 |
| Noninterest-bearing deposits | 109,104,000 | 101,759,000 | 104,956,000 | 127,372,000 |
| Equity capital | 45,188,000 | 44,859,000 | 44,948,000 | 44,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,018,000 | 5,968,000 | 8,940,000 | 11,863,000 |
| Interest expense | 126,000 | 259,000 | 399,000 | 563,000 |
| Net interest income | 2,892,000 | 5,709,000 | 8,541,000 | 11,300,000 |
| Noninterest income | 766,000 | 1,242,000 | 1,720,000 | 2,334,000 |
| Noninterest expense | 2,311,000 | 4,549,000 | 6,897,000 | 9,264,000 |
| Provision for loan losses | 400,000 | 700,000 | 970,000 | 1,225,000 |
| Pretax income | 981,000 | 1,736,000 | 2,428,000 | 3,199,000 |
| Income tax | 297,000 | 517,000 | 714,000 | 930,000 |
| Net income | 684,000 | 1,219,000 | 1,714,000 | 2,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,480,000 | 30,362,000 | 30,426,000 | 30,549,000 |
| Total capital | 32,837,000 | 32,735,000 | 32,795,000 | 33,274,000 |
| Risk-weighted assets | 308,121,000 | 316,480,000 | 311,558,000 | 286,688,000 |