Call reports 2017
LUZERNE BANK — 2017
What LUZERNE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 388,770,000 | 374,156,000 | 381,378,000 | 398,805,000 |
| Total loans | 279,876,000 | 292,613,000 | 299,263,000 | 306,925,000 |
| Allowance for loan losses | 3,119,000 | 3,327,000 | 3,231,000 | 3,297,000 |
| Securities available for sale | 21,015,000 | 27,619,000 | 26,695,000 | 25,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,397,000 | 313,928,000 | 320,387,000 | 338,146,000 |
| Interest-bearing deposits | 194,675,000 | 193,479,000 | 192,468,000 | 206,600,000 |
| Noninterest-bearing deposits | 134,722,000 | 120,449,000 | 127,919,000 | 131,546,000 |
| Equity capital | 45,577,000 | 45,706,000 | 46,084,000 | 45,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,030,000 | 6,191,000 | 9,539,000 | 12,932,000 |
| Interest expense | 209,000 | 409,000 | 624,000 | 876,000 |
| Net interest income | 2,821,000 | 5,782,000 | 8,915,000 | 12,056,000 |
| Noninterest income | 395,000 | 830,000 | 1,221,000 | 1,650,000 |
| Noninterest expense | 2,331,000 | 4,656,000 | 7,061,000 | 9,461,000 |
| Provision for loan losses | 150,000 | 255,000 | 285,000 | 350,000 |
| Pretax income | 735,000 | 1,701,000 | 2,796,000 | 3,901,000 |
| Income tax | 224,000 | 525,000 | 865,000 | 2,056,000 |
| Net income | 511,000 | 1,176,000 | 1,931,000 | 1,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,028,000 | 31,280,000 | 31,619,000 | 31,116,000 |
| Total capital | 33,460,000 | 32,741,000 | 33,011,000 | 32,533,000 |
| Risk-weighted assets | 298,341,000 | 313,233,000 | 318,860,000 | 319,769,000 |