Call reports 2018
LUZERNE BANK — 2018
What LUZERNE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 394,031,000 | 414,703,000 | 426,863,000 | 439,010,000 |
| Total loans | 315,260,000 | 331,052,000 | 341,773,000 | 346,788,000 |
| Allowance for loan losses | 3,372,000 | 3,468,000 | 3,551,000 | 3,660,000 |
| Securities available for sale | 24,132,000 | 24,276,000 | 24,384,000 | 26,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,529,000 | 339,398,000 | 345,533,000 | 358,788,000 |
| Interest-bearing deposits | 209,561,000 | 219,973,000 | 226,585,000 | 235,093,000 |
| Noninterest-bearing deposits | 121,968,000 | 119,425,000 | 118,948,000 | 123,695,000 |
| Equity capital | 46,124,000 | 46,973,000 | 48,011,000 | 49,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,429,000 | 7,072,000 | 10,982,000 | 15,193,000 |
| Interest expense | 276,000 | 612,000 | 1,001,000 | 1,524,000 |
| Net interest income | 3,153,000 | 6,460,000 | 9,981,000 | 13,669,000 |
| Noninterest income | 388,000 | 704,000 | 1,160,000 | 1,722,000 |
| Noninterest expense | 2,401,000 | 4,789,000 | 7,158,000 | 9,576,000 |
| Provision for loan losses | 85,000 | 220,000 | 400,000 | 600,000 |
| Pretax income | 1,038,000 | 2,134,000 | 3,550,000 | 5,175,000 |
| Income tax | 200,000 | 412,000 | 691,000 | 1,014,000 |
| Net income | 838,000 | 1,722,000 | 2,859,000 | 4,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,877,000 | 32,849,000 | 34,032,000 | 35,378,000 |
| Total capital | 34,707,000 | 34,292,000 | 35,700,000 | 37,283,000 |
| Risk-weighted assets | 316,891,000 | 336,129,000 | 344,489,000 | 351,633,000 |