Call reports 2020
LUZERNE BANK — 2020
What LUZERNE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 460,473,000 | 508,565,000 | 524,023,000 | 528,223,000 |
| Total loans | 352,840,000 | 366,404,000 | 367,577,000 | 360,395,000 |
| Allowance for loan losses | 4,193,000 | 4,325,000 | 4,494,000 | 4,513,000 |
| Securities available for sale | 33,127,000 | 32,774,000 | 28,028,000 | 31,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,994,000 | 430,807,000 | 447,785,000 | 451,681,000 |
| Interest-bearing deposits | 253,246,000 | 266,400,000 | 276,634,000 | 271,296,000 |
| Noninterest-bearing deposits | 128,748,000 | 164,407,000 | 171,151,000 | 180,385,000 |
| Equity capital | 53,665,000 | 54,542,000 | 55,098,000 | 55,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,286,000 | 8,574,000 | 12,763,000 | 16,829,000 |
| Interest expense | 803,000 | 1,544,000 | 2,254,000 | 2,865,000 |
| Net interest income | 3,483,000 | 7,030,000 | 10,509,000 | 13,964,000 |
| Noninterest income | 384,000 | 803,000 | 1,335,000 | 1,831,000 |
| Noninterest expense | 2,588,000 | 5,132,000 | 7,664,000 | 10,171,000 |
| Provision for loan losses | 200,000 | 395,000 | 590,000 | 725,000 |
| Pretax income | 1,087,000 | 2,318,000 | 3,841,000 | 5,149,000 |
| Income tax | 214,000 | 431,000 | 753,000 | 1,006,000 |
| Net income | 873,000 | 1,887,000 | 3,088,000 | 4,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,747,000 | 39,292,000 | 39,887,000 | 40,206,000 |
| Total capital | 41,590,000 | 41,475,000 | 42,359,000 | 42,759,000 |
| Risk-weighted assets | 365,716,000 | 375,455,000 | 377,605,000 | 362,429,000 |