Call reports 2016
LUZERNE BANK — 2016
What LUZERNE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 359,156,000 | 375,746,000 | 382,168,000 | 387,695,000 |
| Total loans | 270,346,000 | 274,283,000 | 277,667,000 | 279,363,000 |
| Allowance for loan losses | 2,853,000 | 2,837,000 | 2,889,000 | 2,990,000 |
| Securities available for sale | 26,622,000 | 26,343,000 | 24,968,000 | 24,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 300,387,000 | 315,334,000 | 323,836,000 | 328,812,000 |
| Interest-bearing deposits | 184,777,000 | 194,134,000 | 193,701,000 | 199,885,000 |
| Noninterest-bearing deposits | 115,610,000 | 121,200,000 | 130,135,000 | 128,927,000 |
| Equity capital | 45,112,000 | 45,384,000 | 45,594,000 | 45,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,011,000 | 6,041,000 | 9,137,000 | 12,217,000 |
| Interest expense | 172,000 | 361,000 | 561,000 | 771,000 |
| Net interest income | 2,839,000 | 5,680,000 | 8,576,000 | 11,446,000 |
| Noninterest income | 468,000 | 919,000 | 1,358,000 | 1,790,000 |
| Noninterest expense | 2,486,000 | 4,744,000 | 6,960,000 | 9,196,000 |
| Provision for loan losses | 170,000 | 248,000 | 326,000 | 476,000 |
| Pretax income | 657,000 | 1,613,000 | 2,654,000 | 3,570,000 |
| Income tax | 176,000 | 470,000 | 790,000 | 1,105,000 |
| Net income | 481,000 | 1,143,000 | 1,864,000 | 2,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,382,000 | 30,626,000 | 30,924,000 | 31,102,000 |
| Total capital | 32,696,000 | 32,940,000 | 33,306,000 | 33,589,000 |
| Risk-weighted assets | 308,984,000 | 291,609,000 | 302,505,000 | 305,988,000 |