Call reports 2022
LUZERNE BANK — 2022
What LUZERNE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 561,009,000 | 561,438,000 | 547,938,000 | 549,688,000 |
| Total loans | 382,919,000 | 412,581,000 | 425,173,000 | 453,343,000 |
| Allowance for loan losses | 3,674,000 | 3,768,000 | 4,005,000 | 4,184,000 |
| Securities available for sale | 34,307,000 | 39,406,000 | 38,270,000 | 39,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,054,000 | 482,360,000 | 470,200,000 | 448,517,000 |
| Interest-bearing deposits | 282,945,000 | 278,635,000 | 257,846,000 | 252,651,000 |
| Noninterest-bearing deposits | 198,109,000 | 203,725,000 | 212,354,000 | 195,866,000 |
| Equity capital | 56,317,000 | 56,191,000 | 55,480,000 | 55,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,977,000 | 8,340,000 | 13,205,000 | 18,359,000 |
| Interest expense | 227,000 | 408,000 | 576,000 | 899,000 |
| Net interest income | 3,750,000 | 7,932,000 | 12,629,000 | 17,460,000 |
| Noninterest income | 449,000 | 930,000 | 1,409,000 | 1,800,000 |
| Noninterest expense | 2,882,000 | 5,667,000 | 8,463,000 | 11,256,000 |
| Provision for loan losses | 0 | 105,000 | 410,000 | 685,000 |
| Pretax income | 1,294,000 | 3,051,000 | 5,045,000 | 7,193,000 |
| Income tax | 252,000 | 601,000 | 994,000 | 1,420,000 |
| Net income | 1,042,000 | 2,450,000 | 4,051,000 | 5,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,847,000 | 43,269,000 | 43,380,000 | 43,364,000 |
| Total capital | 46,521,000 | 47,037,000 | 47,385,000 | 47,549,000 |
| Risk-weighted assets | 387,696,000 | 412,617,000 | 416,872,000 | 439,037,000 |