Call reports 2021
LUZERNE BANK — 2021
What LUZERNE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 569,574,000 | 586,937,000 | 581,271,000 | 586,199,000 |
| Total loans | 363,217,000 | 362,260,000 | 365,419,000 | 378,561,000 |
| Allowance for loan losses | 4,573,000 | 4,566,000 | 4,328,000 | 3,857,000 |
| Securities available for sale | 33,395,000 | 34,499,000 | 37,289,000 | 32,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,488,000 | 506,502,000 | 502,126,000 | 507,892,000 |
| Interest-bearing deposits | 304,464,000 | 321,083,000 | 315,709,000 | 317,403,000 |
| Noninterest-bearing deposits | 187,024,000 | 185,419,000 | 186,417,000 | 190,489,000 |
| Equity capital | 55,773,000 | 56,873,000 | 56,376,000 | 56,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,986,000 | 7,944,000 | 11,997,000 | 16,031,000 |
| Interest expense | 511,000 | 1,016,000 | 1,479,000 | 1,859,000 |
| Net interest income | 3,475,000 | 6,928,000 | 10,518,000 | 14,172,000 |
| Noninterest income | 449,000 | 956,000 | 1,519,000 | 2,031,000 |
| Noninterest expense | 2,594,000 | 5,284,000 | 8,174,000 | 10,804,000 |
| Provision for loan losses | 65,000 | 65,000 | -160,000 | -610,000 |
| Pretax income | 1,270,000 | 2,541,000 | 4,027,000 | 6,384,000 |
| Income tax | 249,000 | 500,000 | 797,000 | 1,271,000 |
| Net income | 1,021,000 | 2,041,000 | 3,230,000 | 5,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,761,000 | 41,694,000 | 41,392,000 | 42,291,000 |
| Total capital | 45,333,000 | 46,260,000 | 45,720,000 | 46,148,000 |
| Risk-weighted assets | 365,799,000 | 367,308,000 | 375,605,000 | 378,816,000 |