Call reports 2019
LUZERNE BANK — 2019
What LUZERNE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 441,726,000 | 450,488,000 | 461,170,000 | 453,131,000 |
| Total loans | 349,741,000 | 348,583,000 | 347,271,000 | 347,032,000 |
| Allowance for loan losses | 3,763,000 | 3,839,000 | 3,936,000 | 3,998,000 |
| Securities available for sale | 28,465,000 | 28,559,000 | 28,578,000 | 30,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,252,000 | 376,582,000 | 388,732,000 | 382,260,000 |
| Interest-bearing deposits | 249,494,000 | 258,175,000 | 261,856,000 | 251,743,000 |
| Noninterest-bearing deposits | 120,758,000 | 118,407,000 | 126,876,000 | 130,517,000 |
| Equity capital | 50,771,000 | 52,122,000 | 52,978,000 | 53,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,300,000 | 8,727,000 | 13,274,000 | 17,692,000 |
| Interest expense | 636,000 | 1,386,000 | 2,206,000 | 3,027,000 |
| Net interest income | 3,664,000 | 7,341,000 | 11,068,000 | 14,665,000 |
| Noninterest income | 392,000 | 787,000 | 1,235,000 | 1,004,000 |
| Noninterest expense | 2,673,000 | 5,390,000 | 8,041,000 | 10,485,000 |
| Provision for loan losses | 110,000 | 200,000 | 310,000 | 435,000 |
| Pretax income | 1,292,000 | 2,564,000 | 4,122,000 | 4,916,000 |
| Income tax | 259,000 | 510,000 | 822,000 | 971,000 |
| Net income | 1,033,000 | 2,054,000 | 3,300,000 | 3,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,251,000 | 37,108,000 | 37,930,000 | 38,340,000 |
| Total capital | 38,364,000 | 39,400,000 | 40,419,000 | 40,940,000 |
| Risk-weighted assets | 360,442,000 | 357,352,000 | 362,213,000 | 362,472,000 |